The Power of Your 3 Credit Scores ! - 04/30/10 04:10 PM

Once you take out a mortgage or use bank cards you could have 3 credit scores and credit histories that may element every loan and bank card you ever applied for and took. It will also detail the payments you made and whether on time, late or missed altogether. Are you trying fro information that can assist you perceive credit scores and credit studies and how it all ties in to you getting better interest rates and easy mortgage approvals? Then, don’t stop studying this text, which is a goldmine of information.All of the information that makes up your credit … (0 comments)

Will Apple's iPad Revolutionize Health Care? - 04/28/10 10:30 AM

 Apple hopes the new iPad will fill in the gap between the small mobile device and the full-size laptop. Built-in wireless internet capability (including 3G coverage in an upcoming iPad release), a touch screen display and thousands of downloadable applications give the device the potential to transform mobile technology. But what can the iPad do for health IT?
 
Laptops have already become a staple for many doctors, but many tech experts believe the iPad will prove the perfect companion for physicians and other health care providers looking to embrace health IT technology.
 
The primary reason the iPad is thought to … (1 comments)

Get Your Free Child Safety ID Kit! - 04/28/10 08:57 AM
Get Your Free Child Safety ID Kit! Gerber Life Insurance is offering a free Child Safety ID kit to anyone who requests one.  According to their site, "You may request a Child Safety ID Kit without applying for insurance by writing to us:   Gerber Life Insurance Company, 445 State Street, Fremont, MI 49412."  
You can apply for their insurance to get one but there is no purchase necessary if you write to the above privided address!

… (2 comments)

CONDOMINIUM AND COOPERATIVE INSURANCE - 04/27/10 03:11 PM
CONDOMINIUM AND COOPERATIVE INSURANCE
The only thing worse than being under-insured is not knowing you are. If you or prior owners made permanent upgrades to your condo, such as wall coverings, cabinetry, bookcases, flooring or renovations to a kitchen or bathroom, they may or may not be covered by your building association’s policy.
HUB International specialists can help you get the right amount of coverage for permanent “additions and alterations” and avoid costly surprises at the time of a loss.
Here are some other coverages to consider in terms of your condo or co-op:
LOSS ASSESSMENT:   There are times when the … (1 comments)

Vacant Home Insurance - 04/27/10 11:54 AM
Don't Rely on your Existing Insurance Policy if Your Home Is Vacant When someone else is living in your home while you are away, or if the home becomes vacant for just 30 to 60 days, DO NOT rely on your existing homeowners insurance policy. Rule # 1: If you describe this situation to your agent or the insurance company, do not rely on a verbal conversation or acceptance that "everything is OK." (Get this in writing whenever possible.) At the very least, document the situation to your agent or the insurance company and save the email. If they do not … (2 comments)

A New Way to Get More People to Your Website - 04/27/10 06:03 AM
A New Way to Get More People to Your Website Because LinkedIn has added a link feature to the “Activity Status” function of the header you now have the ability to promote a value item far more easily.
With the link feature you have more room in the status field for copy and the link feature allows you additional copy as well.
To start you must have some sort of a value offer on your site. This could be an educational or informative video, an article, white paper, or even a useful resource such as an educational quiz.
Once you have … (6 comments)

How do delinquencies impair credit scores? - 04/23/10 03:00 PM
I get this question all the time when it comes to credit scores, some great material here!
Via Christopher Shearer (Real Estate Broker - Highlight Realty):
How do delinquencies impair credit scores?
CHICAGO - April 23, 2010 - Fair Isaac, which developed FICO scores, used a comparison between two people to explain how mortgage delinquencies affect credit scores.Fair Isaac derived these numbers from a theoretical calculation based on hypothetical borrowers - one with an initial score of 680 and one with an initial score of 780. FICO scores range from 300 to 850.The hypothetical person behind the 680 score had six credit accounts, … (1 comments)

Vacant Homeowners Insurance - 04/23/10 02:57 PM
What is Vacant Homeowners Insurance and why is it needed? Vacant homeowner's insurance (vacant home insurance hereafter) is special insurance protection placed on a residence that is expected to be empty or unoccupied for over 60 to 90 days, or perhaps much longer. Every insurance policy offered by a property insurer is different and there are even variations from State to State, but no "regular" homeowners insurance policy is able to cover a house that is not being lived in.
Every year, thousands of homeowners leave their home empty or vacant without understanding the provisions of their homeowners policy, and risk everything. … (0 comments)

Email campaigns - 04/22/10 01:57 PM
You know you need to start email marketing, so you do, and get no results. Here is why. This is a scenario we hear often: XYZ Agency knew they needed to start an eMarketing campaign. All their competitors were already doing it. So they signed up with Constant Contact and started sending all their current clients and prospects a message once a week. Other than learning how to use an email engine, they have gained nothing from this investment. Why? There are many simple mistakes made by the novice eMarketer. I know this because just a few short years ago I was … (1 comments)

Hulk Hogan blames insurance company in lawsuit over coverage - 04/22/10 10:45 AM
Hulk Hogan blames insurance company in lawsuit over coverage Tribune file photo by JIM REED Hulk Hogan had to use some of his own money to settle out-of-court a lawsuit filed by the estate of his son's injured passenger, John Graziano, because Hogan's insurance was inadequate, the lawsuit says. < > CLEARWATER - Professional wrestler Hulk Hogan claimed in a lawsuit filed today that his insurance company failed to upgrade his coverage when his exposure to risk grew, leaving him inadequately insured when his teenage son Nick Bollea got into a wreck that left a passenger grievously injured.
As a result, Hogan, whose real name is Terry Bollea, … (0 comments)

How to Save the Earth From Home- Part I: Get Picky About Your Garbage - 04/22/10 06:37 AM
In light of upcoming Earth Day, we thought we’d take  a break from our normal routine of insurance posts, and share some of the tips we collect about saving energy and resources around the home. As a home insurance company, we know the ins and outs of all different types of households and the different mechanical systems that are involved in making everything work efficiently. And now we want to pass those tips on to you, homeowner.  For the next few days we will post a few of our top tips for saving energy and resources (and money!) around your home…so … (2 comments)

Callaway Driver after Mickelson Win, Will it Cost Golfsmith about $1 Million? - 04/21/10 03:13 PM
Callaway Driver after Mickelson Win, Will it Cost Golfsmith about $1 Million? If you bought a certain Callaway driver at a Golfsmith between March 12th and April 7th, then you may be eligible for a refund. The promotion, called "Win With Phil", is estimated to cost about $1 million in refunds. But do you think Golfsmith would really get into a promotion such as this and risk taking a $1 million hit?
Risk is the key word here. Where there is risk, there is insurance. Yes, Golfsmith did purchase insurance to cover their risk of maybe having to pay up. So, … (2 comments)

How To Make A Reblog Your Own! - 04/21/10 09:22 AM
Some great information here.
Via Florida Real Estate Trainer | Daytona Beach After School Training | Midori (Sunnet Realty):
Oh, the topic of reblog always surfaces for various reasons.  I find that many of the articles I write are reblogged and sometimes very often.  I love it and appreciate it but sometimes the reblogger is short changing themselves. 
Reblog | Repeat | Relive | Revive | Revisit | Recoupe | Reproduce In most cases people re blog articles because of the quality of content and because it can be beneficial not only in saving time but also important information for their clients and … (2 comments)

What are some of the best practices to use Social Media in a niche market? - 04/20/10 07:28 AM
I have found that if one is marketing an everyday consumer product like cereal or a large company that produces consumer products then Social Media becomes quite effective because of the sheer number of people that use that product.
 
However, how does one use Social Media to promote into a niche market where a product is not well known and everyone is not talking about it or the company?
 
How are you using it in your Real Estate practice?

… (4 comments)

Email Marketing – The Fine Line between SPAM and Success - 04/19/10 01:30 PM
I receive dozens of email marketing messages each day. They come in all shapes and sizes, from all types of organizations. Best Buy, Dell, Jos. A Bank and other large retailers, Amazon, Proflowers, and other online business, Insurance brokers and wholesalers – even some of my competitors. Our company sends out well over 1,000,000 eMarketing messages each year, so I will never complain about receiving these messages. But I sure wish they could improve their methodologies. I have many criticisms, but the two most common issues I see are format and frequency. Format: Who decided that an email message can only be effective … (1 comments)

Banks Resist Plans to Reduce Mortgage Balances - 04/16/10 10:13 AM
 
Banks Resist Plans to Reduce Mortgage Balances April 14, 2010, 1:50 AM
In a rebuff to the Obama administration, two big banks on Tuesday drew a line in the sand on cutting the mortgage balances of beleaguered homeowners, saying that the tool would be applied sparingly.
The idea of reducing loan principals last month became a centerpiece of the administration’s efforts to help seven million households threatened with foreclosure, David Streitfeld reports in The New York Times. But an official at one of the banks, David Lowman of JPMorgan Chase, said principal reduction could reward households for consuming more than they could … (3 comments)

Do you want a get well card or a check? - 04/16/10 09:39 AM

  After having a heart attack, stroke or getting cancer do you want a get well card or a check? While getting many get well cards is nice, it won’t pay the bills. How would a check for $10,000, $25,000, $50,000 or $100,000 help you? The truth is that most people don’t die after having a heart attack, stroke or getting cancer. Even if you have the best health insurance in the world, you will still have a deductible to pay and other expenses that you may not be considering. Such as you will be out of work and will not be … (3 comments)

Fire Your Congressman or Woman - 04/15/10 10:04 AM
I happen to have read the latest version of the Obama CARE bill that just recently passed, it's painful.  If anyone who reads it actually thinks it's going do more good than harm I'd like to hear your viewpoint?  
Just as a point of reference if you've haven't read it I respectfully ask that you please spare us with your commentary.
Here is an excerpt from the first page of the bill:
TITLE IóCOVERAGE, MEDICARE,MEDICAID, AND REVENUES Subtitle AóCoverage SEC. 1001. AFFORDABILITY.(a) PREMIUM TAX CREDITS.óSection 36B of the Internal Revenue Code of 1986,as added by section 1401 of the Patient … (2 comments)

Personal Umbrella coverage - 04/15/10 09:38 AM
Personal Umbrella The risk of being sued if you accidentally injure someone or damage their property becomes greater every year. We can help you determine whether this extra layer of liability protection makes sense for you.
What is personal umbrella insurance? Personal umbrella insurance provides coverage beyond your homeowner or auto policy by adding an extra layer of liability coverage. Coverage is provided in amounts of $1,000,000 increments. Umbrella insurance also covers situations that may not be covered by another policy such as slander or libel. Who should purchase personal umbrella coverage? Historically, wealthy people with sizable assets have purchased personal … (0 comments)

What is in a standard homeowners insurance policy? - 04/15/10 08:36 AM
What is in a standard homeowners insurance policy? A standard homeowners insurance policy includes four essential types of coverage. They include:
Coverage for the structure of your home. Coverage for your personal belongings. Liability protection. Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.  
1. The structure of your house This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in your policy. It will not pay for damage … (0 comments)

Free Complete Real Estate Marketing System - 04/14/10 02:04 PM
 
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New Health Insurance Scams - 04/14/10 11:15 AM
 
New Health Insurance Scams With the new health care bill now law, there are already people taking advantage of this opportunity to illegally profit from uninformed citizens. These scammers are claiming they are signing people up for "a limited number of spots under the government health care plan." They are going door by door and doing the scams by phone.
Any new insurance programs implemented by the new health care law will not be available until 2014, so anyone claiming otherwise is probably scamming or misinformed, and in either case it is not someone you want taking care of your … (0 comments)

New Health Insurance Scams - 04/14/10 11:15 AM
 
New Health Insurance Scams With the new health care bill now law, there are already people taking advantage of this opportunity to illegally profit from uninformed citizens. These scammers are claiming they are signing people up for "a limited number of spots under the government health care plan." They are going door by door and doing the scams by phone.
Any new insurance programs implemented by the new health care law will not be available until 2014, so anyone claiming otherwise is probably scamming or misinformed, and in either case it is not someone you want taking care of your … (0 comments)

New Health Insurance Scams - 04/14/10 11:14 AM
New Health Insurance Scams With the new health care bill now law, there are already people taking advantage of this opportunity to illegally profit from uninformed citizens. These scammers are claiming they are signing people up for "a limited number of spots under the government health care plan." They are going door by door and doing the scams by phone.
Any new insurance programs implemented by the new health care law will not be available until 2014, so anyone claiming otherwise is probably scamming or misinformed, and in either case it is not someone you want taking care of your health … (0 comments)

10 Things You Really Didn't Know About Domain Names - 04/13/10 10:59 AM
10 Things You Really Didn't Know About Domain Names  
Domain names are equivalent to real estate within the virtual world. With the dot com era many people turned to the internet as a way of investment, social interaction, business marketing, and even virtual business. While we are all getting to grips with the ‘how tos’ and the ‘what ifs’ on the World Wide Web here are a few interesting facts about domain names that you probably did not know. 1. The world’s longest domain name 
Legally domain names are allowed to be no longer than 63 characters in length (excluding sub-domains … (4 comments)

NO INCOME VERIFICATION LOANS ARE ALIVE AND WELL! - 04/13/10 10:32 AM

NO INCOME VERIFICATION LOANS ARE ALIVE AND WELL!
The last year and a half or so has seen a unprecedented chain of events occur in the mortgage industry with the closing of hundreds if not thousands of companies and the elimination of many of the so-called “exotic” products.
When the dust finally settled only the strong have remained ready willing and able to lend to qualified borrows. We are proud to be among those standing tall and offering the very best of what is available today for the consumer. Along with standard conventional, jumbo and FHA mortgages that we have … (7 comments)

Nearly half of US households escape fed income tax - 04/13/10 09:12 AM
Nearly half of US households escape fed income tax - Yahoo! Finance From: finance.yahoo.com | April 07, 2010
WASHINGTON (AP) -- Tax Day is a dreaded deadline for millions, but for nearly half of U.S. households it s simply somebody else s problem.About Read more at finance.yahoo.com »

… (1 comments)

Rates Lower After Strong Auction Demand - 04/12/10 09:37 AM

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So How Fast Is The Internet Growing? - 04/12/10 09:32 AM
The OPA today announced a six-year analysis of its Internet Activity Index Research shows that the known Internet - the Internet is growing bymore than 10,000,000 new, static pages each day. According to the Organization of Online Publishers, Internet users continue to spend a majority of their time with Content sites, up from 34 percent of total time spent in 2003 to 42 percent in 2009. Content is KingThe OPA study notes some significant shifts in internet usage. Primarilysocial community which we all know has exploded, the data from the IAI(study) proves that content is still king. Content sites continue to bea … (3 comments)

One Degree Off Course - 04/09/10 08:57 AM
One Degree Off Course I have a friend named Larry who is a retired Air Force Pilot. One day he shared with me an interesting fact about flying. He said that, for every single degree you fly off course, you will miss your target landing spot by 92 feet for every mile you fly.
That amounts to about one mile off target for every sixty miles flown.
If you decided to start at the equator and fly around the earth, one degree off would land you almost 500 miles off target.
So, the longer you travel off course, the further you … (6 comments)

HOW TO: Clean Up Your Facebook Profile - 04/09/10 08:14 AM

HOW TO: Clean Up Your Facebook Profile
As the number of your Facebook friends and apps you (and them) are using increases, your Facebook news feed and wall can turn into one big mess. It’s nice to communicate with your friends, but if you can’t find useful posts amidst all those silly apps or your real friends amongst all the unknown people you’ve befriended, it’s time to clean up your Facebook profile.
Facebook offers extensive options for fine tuning what individual applications and people can see or do on your Facebook profile, but if you haven’t been following all the changes … (0 comments)

G-mail-tools and tips - 04/09/10 07:50 AM
New in Labs: Nested Labels and Message Sneak Peek Labels are more flexible than folders because a given email can have several labels but can't be in several folders at the same time. A highly requested feature for labels, though, comes from the world of folders: the ability to organize labels hierarchically.If you think this might be useful to you, go to the Gmail Labs tab under Settings, look for "Nested Labels," enable it and click "Save." You'll then need to name your label with slashes (/) to make it the child of another. For example, let's say you wanted to create … (5 comments)

The most and least expensive 2010 vehicles to insure - 04/08/10 03:07 PM
What's it like to drive a Porsche with 530 horsepower and an MSRP of $194,000? Thrilling, no doubt — not that most of us will ever know. On the bright side, most of us will never have to pay the insurance bills associated with such a car.
Insure.com's annual ranking of average car insurance rates reveals that the Porsche Carrera GT2 two-door coupe is the most expensive vehicle to insure among 2010 models. A 40-year-old male would pay a national average of $2,943.78 for car insurance annually — and that's assuming the driver has a good driving record.
On the other end of … (3 comments)

Free Prescription Drug Discount Card - 04/06/10 04:28 PM
Free Prescription Drug Discount Card Whether you wanted Obama-care or not, you may qualify for a free prescription drug discount card. Although it is only a discount card and not part of a health insurance plan, this program can still provide substantial savings. There are only a limited amount of cities and counties that are participating in the program. To see if your city and/or county is a participant go to www.caremark.com.
… (1 comments)

The Difference Between a Real Estate Recovery and Stopping The Flow of Blood - 04/05/10 02:17 PM
An interview with Chip Case, founder of the Case-Shiller Report, has a great obeservation of the housing market I thought I would share this morning.
“We have to distinguish between a recovery, and stopping the flow of blood,” clarified Case. “We’ve had falling house prices for quite a while, and now have four to five months of stability. That stability is very good for the mortgage market.
“But, if prices continue to fall, then mortgages in 2008 and 2009 turn bad. And if they turn bad, then the financial sector is back in hot water. That’s the big worry. If we … (1 comments)

What Happened to That Double Dip in Home Prices - 04/01/10 02:08 PM
By Nick Timiraos-Wall Street Journal Have government policies staved off a future home price decline, or have they simply kicked a future price decline further down the road?
It’s a timely question with Tuesday’s report on January home prices from the Case-Shiller home price index, which showed slightly better than expected home price appreciation. After adjusting for seasonal factors, home prices gained by 0.3% in the three month period ending in January 2010 versus the three month period ending in December 2009. Price gains were led by Western markets such as Los Angeles and San Diego that have seen lots of activity at … (2 comments)

SKYPE Comes to Verizon Wireless - 04/01/10 08:55 AM
SKYPE Comes to Verizon Wireless  
Although it seems unusual for a wireless communications company that makes it’s money by charging you for phone calls, Verizon Wireless released the SKYPE Mobile client for the Android and select Blackberry phones on Friday. In case you are not already familiar with Skype, it is a voice-over-IP communications service that allows you to place unlimited calls to any other Skype user, anywhere in the world, using your computer and an internet connection, for free. You can also call regular land lines and mobile numbers at a very low per-minute rate.
Something for nothing Although Skype Mobile for … (2 comments)

 

Daniel Guest

Los Angeles, CA

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Sungevity, Inc.

Address: 100 Overlook Center, Suite 200, Princeton, NJ, 08540

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