Archive for December, 2009

Who’s Your Broker and Can I Call You My Realtor?

Most new home buyers will hire a real estate professional to assist them through the home buying process. Here we will discuss the different levels of training, knowledge, certification and experience of real estate agents, real estate brokers and Realtors (members of the National Association of Realtors).


Super Affiliate Handbook


Known as the ‘bible’ of Affiliate Marketing, Rosalind Gardner’s Super Affiliate Handbook is a MUST-READ for anyone who wants to become an affiliate marketer.

In a style that is friendly and humorous, the Super Affiliate Handbook is peppered with real examples of what Rosalind did to become one of the most recognizable Super Affiliates in the world. And she doesn’t just tell you what she did right — she exposes the mistakes she made as well — to help you avoid potential problems.

Exceptionally well written, Super Affiliate Handbook covers absolutely everything you need to know about making money as an affiliate marketer.

I HIGHLY Recommended it.

Get the Super Affiliate Handbook today!


Internet Marketing Tips – Marketing Under Pen Names

I want to thank my friend Oilman, from the Warrior Forum, for bringing up this question. He wanted to know if marketing under a pen name was ethical. He was having some personal problems with it and wanted to know how others felt. Instead of posting my response there, where only a few people will see it, I’m going to answer the question in this article. Please understand, this is only my opinion.

For starters, let’s get one thing straight right off the bat. Marketing under a pen name is not illegal. People do it all the time. The list of authors who wrote under pen names is a mile long. Certainly nobody really believes that there is a Geico gecko. I know I don’t. Point is, companies have been using fictional characters of all sorts to endorse all kinds of products. I think the public is intelligent enough to know that this is just a representation.

But what about the person who uses XYZ name to promote a product that he has created and people begin to identify the product with him, especially if he promotes himself as the “friendly” marketer, or the “average Joe” marketer? What if that’s the name he actually uses, something like “Average Joe Wilson” and his real name is John Smith. Is this ethical? Is this person getting sales based on a persona that he has created that he wouldn’t have normally gotten otherwise?

Well, maybe he is. But that still doesn’t answer the question…is it ethical? Okay, here is how I look at it. If the product does what the persona claims, made up or not, then I see no problem. If I create a product that fixes relationships and I call myself the “Relationship Repairman” does it really matter that my name is Steven Wagenheim? And yes, that’s my REAL name. I mean my goodness…who would make up a name like Steven Wagenheim? Certainly I can do better than that.

Point is, it’s what the product promises and delivers on that matters. If I used my real name and created a product that was garbage, I think THAT should be a crime, especially if I’m making claims about the product that aren’t true. The name I use shouldn’t matter. And again, according to law, it doesn’t.

Yes, there are some gray areas, such as you can’t call yourself a doctor if you’re not an MD or at least a PhD. That is fraud and punishable by law. But if you want to call yourself “John Darling The Romantic Specialist” in an effort to sell custom Valentine cards, I say power to you.

To YOUR Success,

Steven Wagenheim

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Article Source:

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PITI – More Than Just Your Mortgage Payment

During your home buying travels, you may have seen the letter combination of P-I-T-I or heard it spoken as “pity”. PITI represents four individual components which together make up your monthly mortgage payment. P is for Principal Mortgage principal is the actual dollar amount you will borrow from your lender.


The Top 6 Resources For the Scoop on Reverse Mortgages

For people over the age of 50, The American Association for Retired Persons provides a wealth of information and resources including an entire section devoted to reverse mortgages. You can download a booklet covering the basics and the different mortgage types available to you. The booklet is written simple language with supporting graphics and charts. The site also provides links to counselors, originators, lawyers, financing planners and other reverse mortgage professionals.


The Two Types of Online Mortgage Websites

An in-depth look at the two types of online mortgage websites. Learn the differences between mortgage lead generators (ex. LendingTree) and aggregation sites (ex. Bankrate).


Annual Free Credit Report Program – The First and Easy Step to Getting a Mortgage

Your credit history is one of the biggest factors to securing a home mortgage at the lowest interest rate and with best terms available. Why is it that we all know this fact but are hesitant to open that door and come face-to-face with our credit information?


Escrow Account – An Introduction For the First Time Home Buyer

An introductory look at escrow accounts in terms of home insurance and property taxes. Learn how an escrow account works, why mortgage lenders use them, the advantages to you and tips for managing your escrow account.


7 Things to Learn When Visiting a Home For Sale

Learn these seven important facts about each home you visit during the home buying process. Bring a notebook to record your findings.


Young Drivers Insurance

In addition to the standard factors used by auto insurance providers to calculate auto premiums and subsequent discounts (i.e. driving record, car type, mileage, theft prevention, etc.) the following are additional considerations applied to the young driver. AGE – Most insurance companies will consider young people to be in the high-risk category until they reach their mid-20′s.