Affiliate programs. Are they for youWritten by Susan Prince
This article may be freely distributed if bylines remain intact.Affiliate programs. Are they for you Affiliate programs can be a brilliant way to start in world of online marketing. An affiliate program is simply a way to earn money by promoting and selling other people products. The companies do all work once sale is made but it is up affiliate to drive traffic (customers) to site to make purchase. The majority of affiliate programs pay a commission as a percentage of revenue generated by sales made. Each affiliate is provided with a tracking number this allows company to track sales and keep a record of where commission should be paid. Affiliate programs vary widely when it comes to quality of program and reliability of company and commission paid which can be anything from 1% to 50% and amount of training support and help you will receive from them. Always research any program you are interested in and pick a product or service you feel comfortably with You have little chance of promoting and selling something that you yourself would not dream of buying or using. If you are inexperience try to pick a program with a proven track record which will offer you support, training and backup you will require Many programs offer you a website to give you a start but most do not offer facility to build a subscriber list which is a must for anybody marketing. Most people once they get started work towards getting their own website and newsletters so they can build a list. The affiliate website is a great starting point use it to learn and educate yourself.
| | How to Qualify a BuyerWritten by Kawana Barnard
How to Qualify a BuyerDoes your customer or client need to be pre-qualified? I am a licensed Real Estate broker and Loan officer and here is how I did it before becoming a loan officer. No matter state; math is still math. However, an agent can only pre-qualify a person to an extent. That credit report is a BIG must. The best thing to do is refer buyer to a lender. If you are lucky you have an in house lender. Bless your heart. I have found that a typical person can qualify for a home that is approximately 2 1/2 times their yearly income before taxes (include spouses yearly gross income if any). Depending on debt to income Ratio's of 28% or 36% and some Refinances of 45 % along with amount of down payment and amount of property you are buying or refinancing, will be determining factor in your ability to purchase. (not to mention credit reports) you should have a beacon score of at least 675 to even qualify for a sub prime loan. Obviously higher is better. unless were talking about a different kind of scoring system, (which is a whole other article). Qualifying ratios are: 28%= total monthly debts 36%= living expenses + long term debts. A prudent agent will Pre-qualify a prospective buyer as soon as possible and even before showing that possible buyer properties. Any agent that does not get a pre-qual may find out later that they have not acted in best interest of buyer or seller. Now past all that. The agent has two things that he may choose from. 1. Get financial information from buyer them selves to do appropriate income/expense analysis. Minus Credit Report. (which is never a good thing) OR 2. Refer buyer to a lender. The last solution is always best. It can help to speed up loan process, also it can help you better decide on what contingencies to present an offer to seller and what properties buyer should be looking at.
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