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Email Marketing Made Simple
If you plan to market your business using email, you need to know a little about email marketing and how it works. You must find a way to avoid the spam filter but also keep youremail marketing campaign effective. Read on to get more great advice on email marketing.
It is very important that when a customer chooses to opt-out of your email marketing campaign, you recognize this and stop sending them emails as quickly as possible. Continual emails to a customer who has opted out, may cause them to feel disrespected and that can harm any email marketing campaign.
Make sure you add a personal touch to your email marketing campaign; they will love the personal attention. Nothing turns off your reader more quickly than a letter that reads like it is just a form intended for the masses. Go beyond just adding their first name! The information you collect at the time of signup should include the location from which they signed up, as well as the reason they signed up. This kind of information can be folded into your email and also instills a proper email marketing campaign.
The more personalized the emails you send your customers are, the more likely they will be to buy from you again. A good email marketing campaign will inform them of exclusive offers and promotions. Send out emails about products they may find enticing. If a reader has already bough
Make sure your emails contain interesting content, there’s nothing worse than a boring or dry email marketing campaign. As well as offering sale items, don’t forget to include useful information into your email marketing strategy. Send subscribers information they can’t find on your site. Also give them deals on whatever products and services you sell. Also send emails to offer bonuses and best wishes for the holidays. Sending emails only when you want to promote a product is short-sighted and can quickly diminish any hopes of an effective email marketing campaign.
It’s Really Not So Hard To Have Successful Email Marketing
As you can see from the article above, the advice given will help your email marketingcampaign be successful, but that is only true if you stick to it. You can improve your bottom line more quickly with this solid advice on email marketing in any running campaign or future project that your have in mind.
Source: Kenneth Johnston
More borrowers turn to credit unions for mortgages
NEW YORK – Dec. 17, 2012 – Borrowers seeking a mortgage or looking to refinance increasingly turn to credit unions. These financial institutions are expected to surpass a record-breaking $100 billion in mortgage loan originations this year.
The growth has mostly been attributed to a surge of refinancers and a growth from consumers’ “disillusionment with big banks,” The New York Times reports.
“We’d be remiss if we didn’t give a shout-out to the major banks for being annoying to consumers and forcing people to seek out other alternatives,” says Bob Dorsa, the president of the American Credit Union Mortgage Association in Las Vegas.
Credit unions are aggressively going after business, says Ed Kovalefsky, the CUC Mortgage Corp. chief operating officer. “They try to be as competitive as possible with regard to rates,” he says.
Credit unions may offer slightly lower closing costs than banks too. Another potential advantage, housing experts note, is that credit unions mostly keep their servicing on all their mortgage loans in-house – an incentive for them to be more responsive to their customers.
However, credit unions’ bigger bite out of the mortgage market may be short-lived.
“Historically, when rates go up and refi goes down, our share and origination volume drops,” Dorsa says. “We’ve made a concerted effort this time to get out in front of Realtors®, so we hope we won’t take as much of a hit production-wise as we have in the past.”
Source: “The Credit Union Alternative,” The New York Times (Dec. 13, 2012)
Real Estate App Posts Listings from iPhones
The app takes advantage of the iPhone’s built-in camera and ability to take high-resolution photos that help flesh out a home listing’s details. After entering standard info such as address and price, agents can immediately share the listing on Facebook, send it out as a pre-formatted HTML e-mail, and even post it to Craigslist.
Open Home Pro founder Andrew Machado says the plan is to eventually work with third parties such as Zillow and/or Trulia to immediately post listings directly to other services. Before then, Machado says the new iPhone app is the quickest way to post listings and their accompanying photos on the Internet.
“It’s just that (Realtors) can’t upload them to their local MLSs (multiple listing services) because that technology was built 15 years ago,” says Machado.
Source: TechCrunch (12/06/12) Perez, Sarah
© Copyright 2012 INFORMATION, INC. Bethesda, MD (301) 215-4688
There are over 60 new laws Governor Brown signed into law this year that will go into effect in 2013. The full text of each legislative bill is available at www.leginfo.ca.gov. A summary of over 60 new laws that may be of interest to REALTORS® is available to members of C.A.R. in the 2013 Laws section on the legal page. Many of the significant upcoming laws are in the landlord-tenant arena which has been a hot topic over the years. Other new laws involve California foreclosures, California HOAs, settlement agreements, smoke alarms, mobilehome parks, and much more.
One new law that was signed into effect deals with landlords in default. Senate Bill 1191 states thats a landlord must disclose to prospective tenants if a Notice of Default has been filed against the property. This new landlord-tenant law states that every landlord who offers a residential property containing one-to-four units for rent must disclose in writing if a notice of default has been filed against the property that has not been rescinded.The written disclosure notice as provided by statute must be in English, Spanish, Chinese, Tagalog, Vietnamese, and Korean. This disclosure must be made to any prospective tenant, before executing a lease agreement.
What’s the penalty for the landlord? If a landlord violates this law, the tenant can elect to void the lease and recover one month’s rent or twice the amount of actual damages, whichever is greater, plus all prepaid rent. If the lease is not voided and the foreclosure sale has not occurred, the tenant may deduct one month’s rent from future amounts owed.
What’s the penalty for a licensed property manager? A property manager will not be held liable for failing to provide the written disclosure notice unless the landlord has given the property manager written instructions to deliver the written disclosure to the tenant. Senate Bill 1191 expires on January 1, 2018.
October, 2012 – From the first quarter of 2011 through the first quarter of this year, local prices have been essentially flat and formed an apparent bottom. Sales volume during this period has been trending strongly upward. We’ll look at the continuing trends over the last 2 quarters for some very positive changes.
Median Price – From Q1-Q4 2011, prices were essentially unchanged, beginning and ending at $227,000. A slight dip to $220K in Q1 2012 reflects typical seasonality. Since then the trend has been positive, finishing Q3 at $235K, an increase of nearly 7% in 6 months.
Although this pace of appreciation may not hold over the longer term, it is the strongest two-quarter gain since the top of the current cycle in 2005.
Unit Volume – Peaking at 450/quarter in 2004-2005, the pace of sales fell to a low of 120 in late 2008 and early 2009. As the recovery in sales took hold through 2009 and 2010, sales remained above 200/quarter. In 2011 the trend continued, and was pushing at 300/month by Q1 2012. In the recent 2 quarters, a breakout above 300/month has occurred. With Q2 sales at 329 and Q3 at 316, an increase of over 30% compared to Q4 2011 is seen.
This powerful trend reflects the rapid absorption of distressed properties by a hungry market.
Days on Market – The average time to sell a single family home had fallen from 150 days in early 2009 to around 90 days by Q1 2010. With some peaks and valleys since then, the trend broke out lower in Q3 2012 to 77 days.
Distressed Sales – From a pre-boom low of 5% or less, the level of distressed sales (Short Sales and REO) rose to double digits in 2008, and then steadily to around 50% by Q1-2010 and holding steady through Q4 2010. With a peak of 60% in Q1 2011, the trend has been downward since then and has again averaged approximately 50% through Q2 2012. In Q3 2012, a breakout lower to 37% occurred.
Inventory – While all domestic markets struggled with excess inventory from 2008-2010, our local market has seen a drop in available homes since then, with the decline in inventory reaching 50% compared to 2010. At a current level of 366, this inventory is less than a 2-month supply of homes. During this period the daily inventory of distressed properties has fallen from approximately 120 to 50 or so.
The combination of breakout trends in the recent quarter all points to a single factor that will have the most positive impact on the ongoing recovery: the rapid sell-through of distressed properties in this torrid market.
When we also see that major investment companies are vying for a piece of the action, and buying bulk lots of foreclosed properties in major urban markets, it is yet another sign that the bottom is behind us. As we head into the winter quarter with some strong momentum, we’re grateful to see some light at the end of the tunnel.
Paul Sieving is a Realtor® with Summit Realty Group, a former Director and MLS Chair of NCAOR, was Board Chair of the Grass Valley Chamber of Commerce in 2004, and has served our community as a real estate professional for 13 years. Comments, questions and thoughts are welcome at [email protected], (530)274-0906, or visit my blog www.paulsieving.com/blog/
Rate on 30-year mortgage ticks up to 3.34%
Mortgage experts polled by Bankrate.com this week seem pretty sure that rates will either decline further (50%) or stay the same (42%) over the short term. Only 8% expect an increase.
WASHINGTON – Dec. 7, 2012 – Average U.S. rates on fixed mortgages ticked up this week just slightly above their record lows, keeping home-buying and refinancing attractive to consumers.
Mortgage buyer Freddie Mac said Thursday that the average rate on the 30-year loan ticked up to 3.34 percent, above last week’s rate of 3.32 percent. Two weeks ago, the rate dipped to 3.31 percent, the lowest on records dating to 1971.
The average on the 15-year fixed mortgage rose to 2.67 percent from 2.64 percent last week. The rate declined to 2.63 percent two weeks ago, also a record low.
Mortgage rates have been near record lows all year. That has helped fuel a modest housing recovery.
Sales of newly built and previously occupied homes are up from a year ago. Builders are more confident in the market and are responding by starting construction on more homes.
Home prices have also increased. A report issued Tuesday by Core Logic showed that a measure of U.S. home prices rose 6.3 percent in October compared with a year earlier. That was the largest yearly gain since July 2006.
Rising prices encourage more people to sell their homes. And they lead to more buying, in part because some start to worry prices could eventually rise further.
Trending up: short sales outside foreclosure
About 29 percent of all Florida home sales during late summer and early fall were short sales granted when the homeowner was not yet in foreclosure, according to a new RealtyTrac measure of non-distressed short sales. That’s an increase of 32 percent from the previous year.
In Palm Beach, Broward and Miami-Dade counties, 21 percent of sales were of properties where the owner was not in foreclosure, but owed more to the bank than the home was worth – a 49 percent annual increase. The difference between the sale price and unpaid mortgage balance in South Florida was an average of $106,712.
Daren Blomquist, RealtyTrac vice president, said this is a new trend that reflects recent federal changes that expand what can be considered a financial hardship and attempts to streamline the short sale process. It’s also likely that banks are more reluctant to file a foreclosure, hoping to avoid years-long foreclosure proceedings in court.
“We’re hearing a lot more about short sales happening outside of foreclosure,” Blomquist said. “Everyone is celebrating that foreclosures are down, which is good, but a lot of the reason for that is distressed homes are being disposed of further upstream.”
Source- Florida Realtors
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