Lead Companies, 8 Features to Consider

Written by Jay Conners

Lead Companies, 8 Features to Consider/By J.Conners

So nowrepparttar time has come to invest in Lead companies, but how do you know which one isrepparttar 149624 right one for you?

When I was a new loan officer, finding a lead company was not easy, I can remember logging onto Yahoo, typing inrepparttar 149625 key word “mortgage leads” and being bombarded with links leading me inrepparttar 149626 direction of lead companies all claiming to haverepparttar 149627 best leads andrepparttar 149628 best deal for me!

But what wasrepparttar 149629 best deal for me? That all depended on what I was looking for, so taking my time, I began to right down exactly what it was I was looking for, did I want refi’s, purchases, or both. Did I want leads from several states or just one, how much could I afford? Etc., etc.

Before I invested any money, I decided I was really going to do my home work, I went to sites ofrepparttar 149630 companies I was considering to read their terms and conditions, I spoke with reps in their customer service department and asked many questions, I went to lead site reviews posted onrepparttar 149631 web to see what kind of experience other loan officers had withrepparttar 149632 companies I was considering.

One thing to keep in mind, No lead company can guarantee you a 100% closure ratio, and they are very up front about that, if that is what you are looking for, you can end your search now.

Still with me? Good!

Here are a few things to consider before committing

1) Pricing

If you are on a tight budget, and have, lets say, $100.00 to spend, you will have to narrow your search torepparttar 149633 lead companies that accept a $100.00 or lower minimum or will meet whatever spending limit you have set for yourself. Some companies have deposit requirements, not allowing you to deposit less than $500.00, so this would not berepparttar 149634 company for you.

2) Lead Generation

Find out whererepparttar 149635 company is generating their leads from. Some companies recycle their leads and sell them many time over. They also buy their leads in bulk off of other companies and resell them, so make sure you ask this very important question up front.

3) Return Policy

Look for a company with a liberal return policy,repparttar 149636 best way to find out this information is through lead site reviews. If you receive a lead with bogus contact information, there is no reason why you should not get your money back.

4) Quantity vs. Quality

Be careful when you buy in bulk, when you can spend $100.00 and receive 50 leads, chances arerepparttar 149637 leads are old and are being recycled, andrepparttar 149638 closing ratio isn’t so good. If you can spend $100.00 and receive five to ten fresh leads, you may be better off, and also have a much better closure ratio.

Small Business Tax Deduction - Write-Off Bad Debts

Written by Richard A. Chapo

Practically every small business has receivables that it cannot obtain from clients. If your small business doesn't have any such receivables, consider yourself lucky. For those small businesses that suffer from uncollected receivables, solace can be taken fromrepparttar fact you can claim a tax deduction.

Bad Debt Tax Deduction

A small business can write-off bad debt losses if it meets nominal requirements. To claim such a tax deduction,repparttar 149623 following must be shown:

A. The existence of a legal relationship betweenrepparttar 149624 small business and debtor;

B. The receivables are worthless; and

C. The small business suffered an actual loss.

Proving there is a legal relationship betweenrepparttar 149625 small business and debtor is fairly simple. You must simply show thatrepparttar 149626 debtor has a legal obligation to make a payment. Most businesses issue invoices or sign contracts with debtors and these documents suffice to proverepparttar 149627 legal relationship. If you are not putting your business relationships in writing, you should begin doing so immediately.

Proving receivables are worthless is slightly more complex. A small business is required to show thatrepparttar 149628 debt has become both worthless and will remain so. You must also show that you took reasonable steps to collectrepparttar 149629 receivables, but you are not necessarily required to go to court to meet this requirement. A clear example where you would meet this requirement is ifrepparttar 149630 debtor filed bankruptcy.

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