Jad Research Blog

1.Sales Ability

Is at the heart of almost everything we do in life. From childhood, we are always
selling ourselves and/or our ideas to others. This boils down to our basic
relationships with parents, spouse, employer or friends.
At the end of the day, we are all salesman! Anytime we interact with another person
we are in some way being sold or are selling ideas and concepts!

2. Sales Styles
All of us have definite sales styles. By this I mean each of us has a unique and
individual way in which we interact with people. To illustrate this point, ask
yourselves?
Are we low key or do we come on strong or even pushy? Are we information
gatherers or do we like to improvise or even do both. Are we negotiators and/or
problem solvers?
If you think about it, you’ll realize that in your interactions with people you’ve
encountered all these (and more) different styles.

Extremely Important!
You must know and understand your own individual style and always strive to
improve and capitalize on your strengths. In other words how do you basically
interact with people?
This leads us into our individual personality.
We must always remain true to our basic feelings and values and realize how they
affect our interactions with people.
I’m assuming that if you’ve been successful at sales you already have a style or way
of dealing with people.
Bottom line is that, whatever works for you and you feel comfortable with, you must
stick with it! (Remember I said been successful withif your sales experience has
been negative up to this point, then it’s obviously time to rethink your style and
method)
Ok-So I recognize and agree that I have a style, now what?
Develop it, work on it, and improve it as it defines who you are.

Always-Stay true to yourselves and under no circumstances try to be somebody
you’re not. If you do, be assured that most people will pick up on it immediately and
in the process, you’ll lose esteem instead of gaining it.

Always, always remember that you can achieve incredible success and still remain
the same person you are.
In conclusion if people like you for who you are, and you’ve had a good sales
record, don’t try to reinvent yourself.

3-Sales is a percentage Game!
Depending on how well you do the things we’ve already talked about will determine
what percentage falls your way. Remember batters in the national league are
considered good if they bat 300 or better. (That’s three hits in 10) You cannot win
them all. An Important Premise is, “Only worry about the things you have control
over”

4-Sales is an up and down process.
You will have good days and you will have bad days. Whenever you get into making
good money, I’ve found that the highs are really high and the lows are really low.
Some people cannot handle this in their lives. If that’s the case then you need to
probably work at a job, where you punch a time clock, do the same thing repeatedly
and play it safe. What I’m saying is know that there will be ups and downs and don’t
dwell on it-there’s always tomorrow. One essential way to always stay optimistic is
to-
Get to the point where you honestly believe that you can help your customer better
than anyone else.
Note: To get to the point where you honestly feel you have the most to offer will
take lots of work., but the payoff is immense.
Always keep this goal in mind, as it will point out the approach to take to get there.

5-You cannot get along with everyone.
There are always going to be people you won’t be able to deal or get along with.
I’m sure you’ve run into people that you just couldn’t relate and/or didn’t want to.
Now if the person is really someone you know you can’t deal with then that is one
thing, however the danger here is forming too early an opinion of the other person.
As to that please consider trying the following.

5A-How to turn it around.
A. Keep your opinions from forming (count 10) and then truly try to understand that
person’s motivation, in my experience about half the time that you do this, you can
turn the situation into a positive rather than a negative experience.
B. Please understand that, it’s worth the effort because once you’ve gotten a tough
customer on your side, he’ll be just as tough in favor of you as against you.
Generally if a client is too easy, he’s that way with everyone and in some cases won’t
really commit to anything. He just wants to be a nice guy

If you really try and see that you can’t get something going with the customer, then
let it go. In the business of Real Estate refer him to another agent so you’ll still
make money for your efforts.
We simply cannot please everyone.

Marketing Director for CBS network-music division, covering National and
International markets. Sales manager and Vice President for IMC-distributors of
AKAI. President, Studiommaster, worlwide company in the recording industry.
Basically, I have a strong International marketing and business background.

Personal / Comments
My business background serves well in that the discipline involved in major
marketplaces, gives me a strong approach to marketing and selling properties and
also understanding finance procedures.

Jumbo mortgage loans provide financing to those who need a loan above conventional loan limits. Fannie Mae (FNMA) and Freddie Mac (FHLMC), two large agencies that purchase the bulk of residential mortgages in the United States, establish these limits. This limit signifies the maximum dollar amount that they will purchase from an individual lender. Those who need a first mortgage above the limit must look beyond the traditional lending market and search for lenders who offer jumbo mortgage loans.

Conventional Loan Limits

Conventional loan limits set by the two agencies are sometimes updated to reflect mortgage market changes. The last change, occurring in January 2006 established a limit of $417,000 for single-family mortgage loans. This limit affects every state in the union except Alaska and Hawaii. These two states have limits that are 50% higher than the rest of the country.

The Jumbo Mortgage

With rising home prices, many individuals and families find conventional loan limits constricting. This is why jumbo mortgage loans are available. For those who need heavy financing, jumbo loan lenders are there to provide it. Large investors, such as insurance companies and banks, often step in to fill the need for additional financing with maximum mortgage amounts going to the $1 million or $2 million range. Before purchasing a jumbo mortgage loan, you should be very confident in your ability to make the monthly mortgage payments, which may be quite large. Here is a list of recommended Jumbo Mortgage Lender online. It’s important to use a reputable lender online to make sure your personal information is secure.

Finding a Lender

Because jumbo mortgage interest rates are normally higher than the rates for conventional mortgages, it is important to find a good lender. Fortunately, the lending market for jumbo mortgages is competitive. Many lenders online now offer this form of financing, which will enable you to make comparisons easily. While shopping, take time to carefully compare rates, lending fees, and loan terms and conditions.

Mortgage is a financial program that involves borrowing money from the bank with the condition of keeping a valuable asset as a collateral security. Home Mortgage as the name suggests involves keeping the Home as the collateral security. There are quite a many banks in California that are offering the California Home Mortgage program.

Before applying for the California Home Mortgage one should have a proper discussion with the best California lenders, as they can clarify all the confusions. One can also contact California Mortgage Brokers also in order to get more information. Before applying for the program one should find out about the California based bank/ company’s credibility after all not all places in California offer good programs.

Apart from that one also requires to find out about best California Home Mortgage Quotes and rates. Only good places in California offer affordable quotes and rates. One can go through the bank/company’s catalogues and read carefully the terms and conditions as it sis important on the part of the borrower to know about the same.

To apply for the best California Home Mortgage program one has to fill in an application form and provide information such as the social security numbers, marital status, current address, birth date, employment and salary information etc. All the information given by the borrower is evaluated carefully in order to see if the person is suitable for getting the money.

When applying for a California Home Mortgage program its important on the part of the borrower to know if repayment of the loan is affordable. As incase the borrower fails to make the repayment then bank/company would have full control on the person’s home! One can pay back the Mortgage loan amount either all together or in monthly installments according to the repayment procedure being followed by the bank or company.

The Quick Loans

In February 2006, President Bush announced what’s has come to be called the Solar America Initiative (SAI), designed to promote the widespread use of various solar energy technologies in homes throughout the United States by 2015.

It’s yet to be determined what effect SAI will have on America’s sagging real estate market, and that may actually be beside the point in the initial stages of the program. The overall goal of the program is to expand America’s electricity options while reducing the country’s dependence on foreign oil, which will ultimately improve the country’s overall economy and environment.

U.S. Department of Energy

The push to incorporate more solar technology into American homes will be coming from many different directions, including the U.S. Department of Energy (DOE), which has been given a mandate to encourage more use of solar heat and electricity in homes and businesses, beginning immediately.

The Solar Energy Industries Association (SEIA) recently released a document titled “A Guide to Federal Tax Credits for Solar Energy,” offering details about a number of federal solar tax incentives that were enacted as part of the Energy Policy Act of 2005. Included in those incentives is a 30 percent tax credit (up to $2,000) for the installation of qualifying photovoltaic or solar water heating systems in the home.

The same legislation increased the solar tax credit to businesses from 10 to 30 percent, with no cap on the amount of credit that can be claimed, if the systems are installed in 2006 or 2007.

The goal of the tax incentives is to encourage market growth and improvement in solar technology by increasing the demand and acceptance of the concept. As solar technology becomes more ubiquitous, public acceptance should become more mainstream, as well, and providing attractive tax incentives for both homeowners and businesses is a good place to start.

Energy Crisis

In the face of what looks to be a long-term energy crisis, solar technology is beginning to make more and more sense to the average person. The solar industry is working with member of congress to try to extend the generous tax credit beyond the 2007 date, in hopes of making an even bigger impact on America’s energy shortage. Extending the incentives can go a long way toward establishing the U.S. solar industry as a strong alternative to foreign oil.

As American solar technology improves, more and more businesses and homes will begin to use the sun’s energy to provide all or part of their heat, hot water, electricity, and cooling needs. In time, home buyers will undoubtedly begin to insist upon having solar technology built into their real estate packages, but for now, the Solar America Initiative should be considered just the first step in moving the United States toward energy independence and greater economic stability.

In years to come, when solar technology has become so commonplace that’s it’s hardly given a second thought, it’s very probable that solar advocates will look back at SAI as the cornerstone that made it all possible.

Copyright © 2006 Jeanette J. Fisher

Jeanette Fisher, author of real estate investing and interior design books, also writes about Environmental Psychology. For more environment articles, see http://environmentpsychology.com/environment_ecology.htm