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Customer Service Credibility with Customers
Many consumers have been burned so many times after buying products or services that they do not trust the customer service promises of salesmen anymore. Of course the salesmen work on reassuring the customer while at the same time thinking to themselves; why am I working here, no one trusts these products or this company?The customer often has to be convinced in advance that your company will back up the products and services it sells in the market place or they will be hesitant to buy. Worse they may continue shopping and end u

and prevailing intrest rate. However the loan amount will be on the basis of current value of the property and not an possible future appreciation. Currently, as per industry estimates the loan-to-value ratio is fixed at 45-60% of the value of the property based on the

NeuroMarketing - 7 Secrets To Unlocking Your Customer's Brain That Ignites Profits And Sales
Have you ever wondered ….* Why even the highest priced or lowest quality products sometimes outsell their competitors’?* Why and how your prospects buy the products or services they do, even if their choices seem irrational or impractical?* Why some brands have a devoted cult-like following while others have zero loyalty?A new field called NeuroMarketing – combining neuroscience, marketing and technology – has generated a buzz across every industry and every business sector. Let’s look at how the latest findi

REVERSE MORTGAGES

Banks and housing finance companies are reading themselves to bring out their reverse mortgage products. We all know that reverse mortgage will enable senior citizens to mortgage their property with a bank / finance company and receive monthly payments. At the end of the term or the death of the person opting for the reverse mortgage the bank / finance company is free to sell the property to realise the amount due to them. B ut since the concept is new to India, a number of issues will need to be clarified so that senior citizens are able to take a call. We explain how to scheme will work and the grey areas-perticularly taxation that will need to be sorted out.

FIRST THINGS FIRST

The first step, quite obviously is to knock on the doors of a bank or housing finance company and express willings to pledge one’s home for the reverse mortgage scheme. The HFC will access the value of the house by independent valuation. Then the HFC will arive at the loan amount depending upon the age of the person opting for the reverse mortgage and prevailing intrest rate. However the loan amount will be on the basis of current value of the property and not an possible future appreciation. Currently, as per industry estimates the loan-to-value ratio is fixed at 45-60% of the value of the property based on the

Distinguishing The Real Experts From Wannabes
With everyone and their dog touting their expertise as internet marketing experts, how do you separate the wheat from the chaff?If you've not been burned by fake internet marketers, you don't have to, and you won't if you follow this simple advice.1) Type their name into the search bar. See how many pages talk about them.2) Install Google's toolbar and check the page rank of their main page. They may have new pages but they should have a page that should prove to you that they can help you.3) Type 'their nam

ayments. At the end of the term or the death of the person opting for the reverse mortgage the bank / finance company is free to sell the property to realise the amount due to them. B ut since the concept is new to India, a number of issues will need to be clarified so that senior citizens are able to take a call. We explain how to scheme will work and the grey areas-perticularly taxation that will need to be sorted out.

FIRST THINGS FIRST

Property Tax Grievances - Should You File for a Reduction?
In the 9 years that I grieved taxes professionally, I was asked many of the same questions over and over again. I would like to take a few minutes to go over some of this information in order to dispel some myths about lowering property taxes.The most common questions were as follows:Does filing a property tax grievance invite a higher assessment from the assessor?What are my chances of winning?Do I need a lawyer to file for me?Is it expensive?These questions keep many homeowners with legitimate

so that senior citizens are able to take a call. We explain how to scheme will work and the grey areas-perticularly taxation that will need to be sorted out.

FIRST THINGS FIRST

High Search Engine Rankings - A Long Term Strategy
The last 1.5 years have shown major changes in search engine behavior across the board. Algorithms change at random dates. Websites that ranked great in search results are suddenly completely wiped out from the search index. It becomes less and less predictable what a certain change to your website will get for results. A major change to a website or the way how it is promoted could have a major impact on search engine success for that website.Webmasters need to gear to up to stay ahead of the game. As changes cannot easily be re

ance company and express willings to pledge one’s home for the reverse mortgage scheme. The HFC will access the value of the house by independent valuation. Then the HFC will arive at the loan amount depending upon the age of the person opting for the reverse mortgage and prevailing intrest rate. However the loan amount will be on the basis of current value of the property and not an possible future appreciation. Currently, as per industry estimates the loan-to-value ratio is fixed at 45-60% of the value of the property based on the

Personal Loan – Finance for Everybody
Personal loans can be broadly categorised into secured and unsecured loans. While unsecured loans are, unanimously, the most popular loan in the market today, secured loans are fast gaining credence.Secured personal loans are those loans that require a collateral to be furnished from the borrower’s side in order for the loan to be dispensed. Unsecured personal loans are given out without the presence of a collateral. Of course, there are subtle variances between the loans. With both these personal loan types, the borrower

KNOW YOUR TENURE

Age is the most influential factor in deciding the monthly payments than the borrower will receive monthly payment will be higher for older persons because the loan amount will be compressed into a fewer number of years. For example, if you are 75 years old the HFC may not lend for 15 years but only for 10 years.

THE IDEAL CANDIDATE

As per the scheme conceptionalised by the national Housing bank a senior citizen of 62 years or more who owns a house is a ideal candidate.

The bank / HFC will extend a loan upto a fixed amount worked out on the percentage basis of the market value of the house owned. As a borrower you can opt for monthly EMI or periodic payments or line of credit. In case of EMI the lent amount will be spread over 15 years

You can also opt for lump- sum amount (with a reduced number of installments) to meet contingencies. Such as medical treatments and so on. The spouse will be a co-borrower of the loan. This will give him/ her the right to live in the house after the death of the borrower a

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