Thinking of Buying More Debt Settlement Live Lead Transfers, Again?
By Rich Preisig
Live lead transfers can be delivered in many ways, but the most equitable and effective live lead transfers occur when a broadcasted message is sent to thousands of individuals with targeted bureau data. There are several samples of studio recorded broadcast messages for debt settlement, loan modification and mortgage refinance on the referenced website below.
Many companies offering live debt settlement leads or live loan modification transfers offer free data which is comprised of the white pages and InfoUsa data. If you're smart and do some investigating on which zip codes broadly reach your proposed target audience, you can save some money however, the money you saved may really be the money that you didn't make. And apparently, it's a substantial amount.
Targeted data brings live lead transfers to a whole new level. With this simple combination, the debt settlement agent can spend 75% of his/her day speaking to suitable prospects truly interested in their debt settlement or loan modification program.
Without live lead transfers and quality targeted data, the agent, whether it be for loan modification, mortgage refinance, cash advance, debt consolidation, debt settlement, FHA, reverse mortgage, health insurance, what have you; will end up spending 75% of their day just trying to get someone on the phone. The latter method is still common, as many company decision makers believe in buying internet leads, tv and radio leads. The lead sources work, but aren't nearly the bang for the buck of live lead transfers.
Many are finding the costs associated with these internet leads and radio/tv leads don't warrant their lack of conversion as well, the psychology associated with an inbound call from a prospect vs. calling someone; in the eyes of an agent, an inbound call is naturally preferred. You'll find that your agents will come into the office earlier, work through lunch and dinner and stay later, as that next call may be another sale.
So, what are some of the common characteristics to look for in a company offering live lead transfers for mortgage leads, debt settlement leads, loan modification leads, insurance leads, auto warranties, refinance leads, the list is endless, but these characteristics are important to know before you make a purchase.
The two ways that live lead transfers are sold:
1) Live lead transfers can be sold on a price per live transfer. Leads sold in this fashion often disguise the real value of the live transfer. Note; avoid buying live lead transfers on a per transfer basis.
For example: 300 live transfers @ $4.00 per live transfer = $1,200
a. For some, this may seem like the best way to measure what you're buying however, it's not.
Let's take a closer look. Like a legend on a map, whereby a quarter inch may equal 500 miles; a certain amount of minutes equals a certain amount of live transfers; no matter who you buy your minutes from, you're going to get the same amount of transfers per minute. This is unless the company is bumping up the per second increments. (Explained below)
25,000 Minutes = 300 - 400* Inbound Transfers
(Keep in mind, this is with any live lead transfer company.)
If you buy live lead transfers on a per minute basis, then you need to examine the price per minute as well, what second increments they're billing you at.
The price per minute for live lead transfers varies from 2 to 4 cents per minute, but most are in and around the 3 cent range. With this said, let it be known that the company selling minutes for 2 cents per minute is likely billing you at 30 or 60 second increments.
This means that the call may have lasted 15 seconds, but with 30 second increment billing, you're charged for 30 seconds. Hence, you're really being billed 4 cents per minute. Ideally, you want to work with a company that offers 6 second increment billing. These companies are generally larger and offer wholesale pricing on a per minute basis.
Let's look at an example.
If you were to buy 25,000 minutes for 3 cents a minute (6 second increment billing), your cost would be $750.
These 25,000 minutes are going to buy you approximately 300 - 400* live transfers - cost $750.
If you were to buy retail by buying live lead transfers on a cost per live transfer, the same 300 live transfers at $4.00 a piece would cost you $1,200.
*The disparity in the 300 to 400 range is due to when the dialer is making the calls for you. If you run the dialer during the day, you're going to use more of your minutes to maintain the same desired frequency of inbound live transfer calls as you would experience at night. You will use less minutes during your night shift, as more prospects are home.
======================================
When You Know It's Time to Get a Debt Management Program
By Vedis Cheah
If you have started to feel that you have more creditors than you can handle and it's not possible to fork out money to make next month's minimum payments anymore, perhaps it's time to consider a debt management program.
A debt management program can help you, as the name explains, to organize your multiple debts into more affordable payments. Instead of making various payments to various banks on different dates, you only need to make one lower monthly payment to the credit counseling company you sign up with.
You will enjoy the service of one low payment a month as opposed to several payments on several venues and also the automation of such charge.
There are many non-profit or for-profit organizations and firms that can aid you and point you into the right direction when it comes to choosing a debt management program according to your needs.
Before you enroll yourself in a debt repayment plan, bear in mind that you always have to be well informed relating to the terms and rates charged by the debt management companies.
You must always read the fine print in search of hidden fees and surprise charges that can affect your family's livelihood. This is your responsibility and no one can be held accountable for poor judgment but the choice maker.
A certified credit counselor appointed to you should take time to weigh your expenses and income and create financial balance in order to assist you to at least to afford the most needed expenses for you and your dependents before signing you up automatically for a debt management plan.
Debt will be a smoother ride under a debt management program. However, it is a tool that should never be taken lightly; always be as informed as you can before getting into it.
I enrolled in a free debt management program in October 2008 to help me pay off my credit card debt without stress. Read my free debt management program progress at FreeDebtManagementProgram.com.
==========================================
What to Know About Hotel and Airline Credit Cards
By Trevor Poulson
Hotel and airline credit cards are called "rewards cards" because they offer rewards when you use them. They can be great for those who are frequent travelers by saving them from money.
If you find yourself flying a lot or staying in hotels often, these are cards that you definitely want to take a look at. For instance, a hotel credit card can help you gain enough points to stay at a hotel for days at a time without having to pay. You simply redeem the points that you have accumulated. However, the credit card may only be good for one hotel chain.
An airline credit card will give you points for using the card and you can redeem those points for airline miles. This can reduce your ticket or allow you to fly for free. There are just some things that you have to keep in mind when it comes to hotel and airline cards:
They are best for frequent travelers for the fact that the points can sometimes expire. You want to make sure you use them before they expire so that you can take advantage of them. Fortunately, most cards offer points that don't expire, which is great. This means you can use them when you want to travel. This is especially true when there are no blackout dates or restrictions.
Look for annual fees. Sometimes may be an annual fee to be a member. What you'll find, however, is that you will get the first year free. This enables you to try out the card.
Your interest rate should be quite reasonable. These cards come with great rates so that you will use them and they do come with great credit limits so that you can accumulate your points.
You may get 0% APR for the first month on your purchases, which is a great incentive. After the 12 months, the regular APR will kick in.
One great way to really accumulate points on these credit cards is to charge bills on them and then take the cash you was going to pay those bills with to pay off the card. You can literally charge thousands of dollars a month and accumulate the points you need to reduce your travel costs significantly.
And some cards even come with both hotel and airline savings. This is a great way to literally travel for free. If your flight and your hotel is paid for, all you have to worry about is feeding yourself and using your money to have fun. You can even use your card on your fun and food. Just think of all of the money that is going to be saved. It's rather incredible.
So this is definitely an option for you. These cards are reserved for those who have good credit. If your credit isn't all that great right now, you can do something about it by looking into credit repair so that you can acquire the better credit cards with the better interest rates and great incentives.
Trevor Poulson I'm President and CEO of T.K. Financial Group, LLC. We own and run a credit website called http://www.creditcardissuer.us
By Rich Preisig
Live lead transfers can be delivered in many ways, but the most equitable and effective live lead transfers occur when a broadcasted message is sent to thousands of individuals with targeted bureau data. There are several samples of studio recorded broadcast messages for debt settlement, loan modification and mortgage refinance on the referenced website below.
Many companies offering live debt settlement leads or live loan modification transfers offer free data which is comprised of the white pages and InfoUsa data. If you're smart and do some investigating on which zip codes broadly reach your proposed target audience, you can save some money however, the money you saved may really be the money that you didn't make. And apparently, it's a substantial amount.
Targeted data brings live lead transfers to a whole new level. With this simple combination, the debt settlement agent can spend 75% of his/her day speaking to suitable prospects truly interested in their debt settlement or loan modification program.
Without live lead transfers and quality targeted data, the agent, whether it be for loan modification, mortgage refinance, cash advance, debt consolidation, debt settlement, FHA, reverse mortgage, health insurance, what have you; will end up spending 75% of their day just trying to get someone on the phone. The latter method is still common, as many company decision makers believe in buying internet leads, tv and radio leads. The lead sources work, but aren't nearly the bang for the buck of live lead transfers.
Many are finding the costs associated with these internet leads and radio/tv leads don't warrant their lack of conversion as well, the psychology associated with an inbound call from a prospect vs. calling someone; in the eyes of an agent, an inbound call is naturally preferred. You'll find that your agents will come into the office earlier, work through lunch and dinner and stay later, as that next call may be another sale.
So, what are some of the common characteristics to look for in a company offering live lead transfers for mortgage leads, debt settlement leads, loan modification leads, insurance leads, auto warranties, refinance leads, the list is endless, but these characteristics are important to know before you make a purchase.
The two ways that live lead transfers are sold:
1) Live lead transfers can be sold on a price per live transfer. Leads sold in this fashion often disguise the real value of the live transfer. Note; avoid buying live lead transfers on a per transfer basis.
For example: 300 live transfers @ $4.00 per live transfer = $1,200
a. For some, this may seem like the best way to measure what you're buying however, it's not.
Let's take a closer look. Like a legend on a map, whereby a quarter inch may equal 500 miles; a certain amount of minutes equals a certain amount of live transfers; no matter who you buy your minutes from, you're going to get the same amount of transfers per minute. This is unless the company is bumping up the per second increments. (Explained below)
25,000 Minutes = 300 - 400* Inbound Transfers
(Keep in mind, this is with any live lead transfer company.)
If you buy live lead transfers on a per minute basis, then you need to examine the price per minute as well, what second increments they're billing you at.
The price per minute for live lead transfers varies from 2 to 4 cents per minute, but most are in and around the 3 cent range. With this said, let it be known that the company selling minutes for 2 cents per minute is likely billing you at 30 or 60 second increments.
This means that the call may have lasted 15 seconds, but with 30 second increment billing, you're charged for 30 seconds. Hence, you're really being billed 4 cents per minute. Ideally, you want to work with a company that offers 6 second increment billing. These companies are generally larger and offer wholesale pricing on a per minute basis.
Let's look at an example.
If you were to buy 25,000 minutes for 3 cents a minute (6 second increment billing), your cost would be $750.
These 25,000 minutes are going to buy you approximately 300 - 400* live transfers - cost $750.
If you were to buy retail by buying live lead transfers on a cost per live transfer, the same 300 live transfers at $4.00 a piece would cost you $1,200.
*The disparity in the 300 to 400 range is due to when the dialer is making the calls for you. If you run the dialer during the day, you're going to use more of your minutes to maintain the same desired frequency of inbound live transfer calls as you would experience at night. You will use less minutes during your night shift, as more prospects are home.
======================================
When You Know It's Time to Get a Debt Management Program
By Vedis Cheah
If you have started to feel that you have more creditors than you can handle and it's not possible to fork out money to make next month's minimum payments anymore, perhaps it's time to consider a debt management program.
A debt management program can help you, as the name explains, to organize your multiple debts into more affordable payments. Instead of making various payments to various banks on different dates, you only need to make one lower monthly payment to the credit counseling company you sign up with.
You will enjoy the service of one low payment a month as opposed to several payments on several venues and also the automation of such charge.
There are many non-profit or for-profit organizations and firms that can aid you and point you into the right direction when it comes to choosing a debt management program according to your needs.
Before you enroll yourself in a debt repayment plan, bear in mind that you always have to be well informed relating to the terms and rates charged by the debt management companies.
You must always read the fine print in search of hidden fees and surprise charges that can affect your family's livelihood. This is your responsibility and no one can be held accountable for poor judgment but the choice maker.
A certified credit counselor appointed to you should take time to weigh your expenses and income and create financial balance in order to assist you to at least to afford the most needed expenses for you and your dependents before signing you up automatically for a debt management plan.
Debt will be a smoother ride under a debt management program. However, it is a tool that should never be taken lightly; always be as informed as you can before getting into it.
I enrolled in a free debt management program in October 2008 to help me pay off my credit card debt without stress. Read my free debt management program progress at FreeDebtManagementProgram.com.
==========================================
What to Know About Hotel and Airline Credit Cards
By Trevor Poulson
Hotel and airline credit cards are called "rewards cards" because they offer rewards when you use them. They can be great for those who are frequent travelers by saving them from money.
If you find yourself flying a lot or staying in hotels often, these are cards that you definitely want to take a look at. For instance, a hotel credit card can help you gain enough points to stay at a hotel for days at a time without having to pay. You simply redeem the points that you have accumulated. However, the credit card may only be good for one hotel chain.
An airline credit card will give you points for using the card and you can redeem those points for airline miles. This can reduce your ticket or allow you to fly for free. There are just some things that you have to keep in mind when it comes to hotel and airline cards:
They are best for frequent travelers for the fact that the points can sometimes expire. You want to make sure you use them before they expire so that you can take advantage of them. Fortunately, most cards offer points that don't expire, which is great. This means you can use them when you want to travel. This is especially true when there are no blackout dates or restrictions.
Look for annual fees. Sometimes may be an annual fee to be a member. What you'll find, however, is that you will get the first year free. This enables you to try out the card.
Your interest rate should be quite reasonable. These cards come with great rates so that you will use them and they do come with great credit limits so that you can accumulate your points.
You may get 0% APR for the first month on your purchases, which is a great incentive. After the 12 months, the regular APR will kick in.
One great way to really accumulate points on these credit cards is to charge bills on them and then take the cash you was going to pay those bills with to pay off the card. You can literally charge thousands of dollars a month and accumulate the points you need to reduce your travel costs significantly.
And some cards even come with both hotel and airline savings. This is a great way to literally travel for free. If your flight and your hotel is paid for, all you have to worry about is feeding yourself and using your money to have fun. You can even use your card on your fun and food. Just think of all of the money that is going to be saved. It's rather incredible.
So this is definitely an option for you. These cards are reserved for those who have good credit. If your credit isn't all that great right now, you can do something about it by looking into credit repair so that you can acquire the better credit cards with the better interest rates and great incentives.
Trevor Poulson I'm President and CEO of T.K. Financial Group, LLC. We own and run a credit website called http://www.creditcardissuer.us
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