Rosey's Blog

"CHRISTIAN WAYS TO REDUCE STRESS"

Rosey Eden (Loan Network, LLC) — Wed, 21 May 2008 12:52:20 -0500

CHRISTIAN WAYS TO REDUCE STRESS ...

An Angel says, 'Never borrow from the future. If you worry about what may happen tomorrow and it doesn't happen, you have worried in vain. Even if it does happen, you have to worry twice.

1. Pray

2. Go to bed on time.

3. Get up on time so you can start the day unrushed.

4. Say No to projects that won't fit into your time schedule, or that will compromise your mental health.

5. Delegate tasks to capable others.

6. Simplify and unclutter your life.

7. Less is more. (Although one is often not enough, two are often too many.)

8. Allow extra time to do things and to get to places.

9. Pace yourself. Spread out big changes and difficult projects over time; don't lump the hard things all together.

10. Take one day at a time.

11. Separate worries from concerns. If a situation is a concern, find out what God would have you do and let go of the anxiety. If you can't do anything about a situation, forget it.

12. Live within your budget; don't use credit cards for ordinary purchases.

13. Have backups; an extra car key in your wallet, an extra house key buried in the garden, extra stamps, etc.

14. K.M.S. (Keep Mouth Shut). This single piece of advice can prevent an enormous amount of trouble.

15. Do something for the Kid in You everyday.

16. Carry a Bible with you to read while waiting in line.

17. Get enough rest.

18. Eat right.

19 Get organized so everything has its place.

20. Listen to a tape while driving that can help improve your quality of life.

21. Write down thoughts and inspirations.

22. Every day, find time to be alone.

23. Having problems? Talk to God on the spot. Try to nip small problems in the bud. Don't wait until it's time to go to bed to try to pray.

24. Make friends with Godly people.

25. Keep a folder of favorite scriptures on hand.

26. Remember that the shortest bridge between despair and hope is often a good 'Thank you Jesus.'

27. Laugh.

28. Laugh some more!

29. Take your work seriously, but not yourself at all.

30. Develop a forgiving attitude (most people are doing the best they can).

31. Be kind to unkind people (they probably need it the most).

32. Sit on your ego.

33 Talk less; listen more.

34. Slow down.

35. Remind yourself that you are not the general manager of the universe.

36 . Every night before bed, think of one thing you're grateful for that you've never been grateful for before. GOD HAS A WAY OF TURNING THINGS AROUND FOR YOU.
'If God is for us, who can be against us ?'
(Romans 8:31)

My instructions were to send this to people that I wanted God to bless and I picked you. I decided to send it to more than four so I decided to send it to the universe through the web because I didn't want to limit blessings.

Have a Blessed Day!!!

(courtesy of a friend)

TEN THINGS A LOAN OFFICER MUST MASTER

Rosey Eden (Loan Network, LLC) — Tue, 11 Mar 2008 00:49:27 -0500

TWELVE ~~Ten~~ Things a Loan Officer Must Master

The purpose is to know what it will take for a Loan Officer to become an expert and differentiate themselves from the competition.

1. Learn the real estate process. I know of Loan Officers who say they don't like working with Real Estate Agents and still others who have never bought a home. You cannot afford to ignore what can be anywhere from twenty-five to seventy-five percent of the market in a given year. You are in the real estate industry and agents are a major player. Your refinance clients will purchase a home sometime in the future and an agent will be involved. You need to learn how to deal with the right agents and how to control the sales situation. Not only should you play in this market-you should take a real estate licensing class. Not to sell real estate but to understand what agents do. In other words-you must become an expert in not only your field, but in your targets' field as well.

2. Learn the three economic reasons to own a home. It is truly amazing to me that both Loan Officers and Real Estate Agents are not experts calculating and explaining the economic benefits of homeownership-leverage, rental equivalency and inflation protection.

3. Learn the economics of your rate sheet. This is another way you can distinguish a bit player from an expert. Do they know why one program costs more than another? Do they understand spreads? Most Loan Officers are reduced to general statements such as-it costs more because of risk. It is not always because of risk. And sometimes this statement sounds and is ridiculous.

4. Learn important economic concepts of real estate finance. We are not selling a bunch of loan programs. We are selling financial instruments. We need to understand how these instruments can be used to achieve financial goals. Concepts as the efficacy of different levels of prepayment and debt consolidation come to mind at this juncture. How can you call yourself a trusted advisor without mastering these?

5. Learn how to compare loan programs based upon future scenarios-including ARMs vs. fixed, points vs.no points, one loan vs. two loans, negative amortization and more. For example, do you know the three major scenarios to describe the possible future patterns of interest rates and what they mean? You need to understand the historical case, the worst case and FIAR case scenarios and how to work them into comparisons for your clients.

6. Learn how to underwrite as well as process a loan. A Loan Officer should not just learn how to process-they need to learn how to underwrite. How can you take control of service levels if every time you send a loan to a underwriter it is as if you have sent it into a black hole? You should know more than the underwriter knows with the goal of underwriting each file BEFORE it goes to the underwriter. And that includes reviewing the appraisal.

7. Learn how to control your customers and the process. If you want to deliver great service with less stress in your life, you must take control of the process. If you don't you will start with an imperfect product and an imperfect product will result in an imperfect process. How can you exceed your customer's expectations if you can't even deliver adequate service? You should know more than the underwriter knows with the goal of underwriting each file BEFORE it goes to the underwriter.

8. Learn how to market from within the loan process. Taking control of the process puts you in a position to avoid costly and inefficient marketing methods such as cold calling or purchasing leads. Do not expect a referral base to start appearing after a few years of going in the wrong direction. Every time you leave the process to market you take yourself further away from a successful business model. Experts learn where the opportunities are. What the foundation model does is help open your eyes so you don't miss these opportunities. When you are running around out of control and then marketing all over the place you will miss so many of these opportunities that are right under your nose.

9. Learn what is right and what is not. If you want to lead, you can't do so moving in the wrong direction or coming from the wrong side of the line. You may close a loan and make more money tomorrow or next week-but you will never leave the treadmill because you will not qualify to work with leaders. Leaders understand the importance of relationships. Rate shoppers do not. I believe that much of the fraud that occurs in this industry, including predatory lending, occurs because we have not clearly drawn the line for loan officers.

10. Become an expert in sales and marketing. What sounds like good advice such as "you have to ask for the business" and "you must overcome objections" actually can be counter-productive. For example, the secret to getting referrals is not asking-it is positioning yourself to ask, This is why so many of us find asking so uncomfortable. If asking were the secret, I believe many more loan officers would be out there asking instead of saying, "oh, I know I should be..."

11. In addition-LOAN OFFICERS MUST PRACTICE RETURNING CALLS!!! (thanks karen for # 11) Practice what you preach. When communicating to your clients-when you say you will call them back-PLEASE CALL them BACK!!!

12. Hire an Experienced Notary Signing Agent (thanks shannon for # 12) It's always good to know who your appointed closing agent is that will sit in for a signing-especially if their knowledgeable and experienced with great customer service. It makes things go smoothly. (my escrow officer "CP" is ALWAYS GREAT at what he does-he's AWESOME-i wouldn't trust anybody else)

When you are running around out of control and then marketing all over the place you will miss so many of these opportunities that are right there.

Even one step beyond being an expert in sales and marketing within your industry, you must become an expert in sales and marketing within the industry of your target. Loan officer actually should not be attending "loan officer" marketing seminars. They should be attending "real estate agent" marketing seminars.

If you try positioning yourself as an expert you will achieve what many keep searching for. Your efforts will help you get closer to your long-term goals of a satisfaction within your career. Those who know that they can deliver more value not only are in a great position to ask for the business, those seeking counsel approach them every day.

Loan officers hear questions every day such as "what is your rate?" Experts hear questions such as "what do you recommend I do?" How would you like to spend the rest of your career, answering the first question every day or the second question? Unfortunately we are so busy trying to chase down the next deal and becoming competent, most of us never reach that position. You must become an expert in sales and marketing within the industry of your target.

100 Quotes From The Secret

Rosey Eden (Loan Network, LLC) — Mon, 10 Mar 2008 23:56:05 -0500

100 Quotes From The Secret

1. We all work with one infinite power.

2. The Secret is the Law of Attraction (LOA).

3. Whatever is going on in your mind is what you are attracting.

4. We are like magnets - like attract like. You become AND attract what you think.

5. Every thought has a frequency. Thoughts send out a magnetic energy.

6. People think about what they don't desire and attract more of the same.

7. Thought = creation. If these thoughts are attached to powerful emotions, that emotion speeds the creation.

8. You attract your dominant thoughts.

9. Those who speak most of illness have illness; those who speak most of prosperity have it, etc.

10. It's not "wishful" thinking.

11. You can't have a universe without the mind entering into it.

12. Choose your thoughts carefully; you are a masterpiece of your life.

13. It's OK that thoughts don't manifest into reality immediately (if we saw a picture of an elephant and it instantly appeared, that would be too soon).

14. EVERYTHING in your life you have attracted; accept that fact it's true.

15. Your thoughts cause your feelings.

16. We don't need to complicate all the "reasons" behind our emotions. It's much simpler than that. Two categories good feelings and bad feelings.

17. Thoughts that bring about good feelings mean you are on the right track. Thoughts that bring about bad feelings means you are not on the right track.

18. Whatever it is you are feeling is a perfect reflection of what is in the process of becoming.

19. You get exactly what you are FEELING.

20. Happy feelings will attract more happy circumstances.

21. You can begin feeling whatever you desire (even if it's not there). The universe will correspond to the nature of your song.

22. What you focus on with your thought and feeling is what you attract into your experience.

23. What you think and what you feel and what actually manifests is ALWAYS a match? No exception.

24. Shift your awareness.

25. "You create your own universe as you go along." Winston Churchill

26. It's important to feel good ( ( ( (((good))) ) ) )

27. You can change your emotion immediately by thinking of something joyful, or singing a song, or remembering a happy experience.

28. When you get the hang of this, before you know it you will KNOW you are the creator.

29. Life can and should be phenomenal and it will be when you consciously apply the Law of Attraction.

30. Universe will re-arrange itself accordingly.

31. Start by using this sentence for all of your desires: "I'm so happy and grateful now that..."

32. You don't need to know HOW the universe is going to rearrange itself.

33. LOA is simply figuring out for yourself what will generate the positive feelings of having it NOW.

34. You might get an inspired thought or idea to help you move towards what you desire faster.

35. The universe likes SPEED. Don't delay, don't second-guess, don't doubt.

36. When the opportunity or impulse is then ACT

37. You will attract everything you require - money, people, connections. PAY ATTENTION to what's being set in front of you.

38. You can start with nothing and out of nothing or no way, a WAY will be provided.

39. HOW LONG??? No rules on time the more aligned you are with positive feelings the quicker things happen.

40. Size is nothing to the universe (unlimited abundance if that's what you wish). We make the rules on size and time.

41. No rules according to the universe; you provide the feelings of having it now and the universe will respond.

42. Most people offer the majority of their thought in response to what they are observing (bills in the mail, being late, having bad luck, etc.)

43. You have to find a different approach to what is through a different vantage point.

44. "All that we are is a result of what we have thought" - Buddha

45. What can you do right now to turn your life around?? Gratitude.

46. Gratitude will bring more into our lives immediately.

47. What we think about and THANK about is what we bring about.

48. What are the things you are grateful for? Feel the gratitude; focus on what you have right now that you are grateful for.

49. Play the picture in your mind - focus on the end result.

50. VISUALIZE!!! Rehearse your future

52. Feel the joy.. Feel the happiness!

53. An affirmative thought is 100 times more powerful than a negative one.

54. "What this power is, I cannot say. All I know is that it exists." Alexander Graham Bell.

55. Our job is not to worry about the "How". The "How" will show up out of the commitment and belief in the "what."

56. The How's are the domain of the universe. It always knows the quickest, fastest, most harmonious way between you and your dream.

57. If you turn it over to the universe, you will be surprised and dazzled by what is delivered... this is where magic and miracles happen.

58. Turn it over to the universe daily, but it should never be a chore.

59. Feel exhilarated by the whole process: high, happy, and in tune.

60. The only difference between people who are really living this way is they have habituated ways of being.

61. They remember to do it all the time.

62. Create a Vision Board: pictures of what you desire to attract. Every day look at it and get into the feeling state of already having acquired these desires.

63. "Imagination is everything. It is the preview of life's coming attractions." Albert Einstein.

64. Decide what you desire, believe you can have it, believe you deserve it, and believe it's possible for you.

65. Close your eyes and visualize having what you already desire - and the feeling of having it already.

66. Focus on being grateful for what you have already. Enjoy it!! Then release it to the universe. The universe will manifest it.

67. "Whatever the mind of man can conceive, it can achieve." W. Clement Stone

68. Set a goal so big that if you achieved it, it would blow your mind.

69. When you have an inspired thought, you must trust it and act on it.

70. How can you become more prosperous?? INTEND IT!!

71. "Checks are coming in the mail regularly," or change your bank statement to whatever balance you desire, and get behind the feeling of having it.

72. Life is meant to be abundant in ALL areas.

73. Go for the sense of inner joy and peace then all outside things appear.

74. We are the creators of our universe.

75. Relationships: Treat yourself the way you desire to be treated by others love yourself and you will be loved.

76. Have a healthy respect for yourself.

77. For those you work with or interact with regularly get a notebook and write down positive aspects of each of those people.

78. Write down the things you like most about them (don't expect change from them). The Law of Attraction will not put you in the same space together if your frequencies don't match.

79. When you realize your potential to feel good, you will ask no one to be different in order for you to feel good.

80. You will free yourself from the cumbersome impossibilities of needing to control the world, your friends, your mate, your children.

81. You are the only one that creates your reality.

82. No one else can think or feel for you. It's YOU, ONLY YOU.

83. Health: thank the universe for your own healing. Laugh. Stress free happiness will keep you healthy.

84. Your immune system will heal itself.

85. Parts of our bodies are replaced every day, every week etc. Within a few years we have a brand new body.

86. See yourself living in a new body. Hopeful = recovery. Happy = happier biochemistry. Stress degrades the body.

87. Remove stress from the body and the body regenerates itself. You can heal yourself.

88. Learn to become still and take your attention away from what you don't desire, and place your attention on what you wish to experience.

89. When the voice and vision on the inside become more profound and clear than the opinions on the outside, then you have mastered your life.

90. You are not here to try to get the world to be just as you desire it. You are here to create the world around you that you choose.

91. And allow the world as others choose to see it, to exist as well.

92. People think that if everyone knows the power of the LOA there won't be enough to go around. This is a lie that's been ingrained in us and makes so many greedy.

93. The truth is there is more than enough love, creative ideas, power, joy, happiness to go around.

94. All of this abundance begins to shine through a mind that is aware of its own infinite nature. There's enough for everyone. See it. Believe it. It will show up for you.

95. So let the variety of your reality thrill you as you choose all the things you desire and get behind the good feelings of all your desires.

96. Write your script. When you see things you don't desire, don't think about them, write about them, talk about them, push against them, or join groups that focus on them remove your attention from don't desires and instead place them on do desires.

97. We are mass energy. Everything is energy. EVERYTHING!! !

98. Don't define yourself by your body......it's the infinite being that's connected to everything in the universe.

99. One energy field. Our bodies have distracted us from our energy. We are the infinite field of unfolding possibilities, the creative force.

100. Are your thoughts worthy of you? If not - NOW is the time to change them. You can begin right where you are right now. Nothing matters but this moment and what you are focusing your attention on.

TIPS on Building an Excellent Credit

Rosey Eden (Loan Network, LLC) — Sat, 22 Dec 2007 21:42:44 -0600

TIPS on Bettering Your Credit Score

Everyone wants an excellent credit score and any one could use tips in building your credit to be excellent.

Follow these few tips and you will be working your way to having an excellent great credit score.

1) PAY ON TIME! Did you know about 35% of your credit score is based on your payment history? All it takes is just one payment to be 30 days late and that can drop your credit score dramatically. If you have been late in the past start paying on time now. As the time passes those late payments will become just a memory for you and your score will steadily rise.

2) KEEP YOUR ACCOUNTS OPEN! When paying off a balance it's always wise to keep the accounts open. The length of time your credit accounts or credit lines has been open it is worth about 15% of your credit score. When you pay off an account the wise thing to do is to leave that account open. It keeps your credit lines higher and its a benefit for you because your credit gets better. The longer your account has been open the better it is for you and your credit score.

3) MAINTAIN YOUR BALANCES BELOW 30% OF YOUR CREDIT LINE! Your debt to credit limit ratio is another 30% of your score. For instance if you have a $5,000 dollar credit line don't let the balance go over $1,500. This will affect your credit score. So if your balances are high now you need to reduce them. Every time you do it helps raises your score. If you have more then one account that is near maxing the credit limit, try to transfer some balances from another account that is low on the balance and try to even out your accounts. This also helps your credit scoring and from having your interest rates rise up. Most credit card companies provides bonuses and incentives for having a pay on time credit history like earning a free roundtrip airline ticket.

4) DO NOT TAKE OUT NEW CREDIT UNLESS NECESSARY! New lines of credit may lower your score by about 10%. If you are in the process of getting a mortgage do not apply for any additional credit until after the closing. If you plan on buying a new car or a big screen tv it's always best to wait until after the closing on your house.

5) TRY TO USE CREDIT ONLY FOR IMPORTANT PURCHASES! For instances like mortgages, vehicles, or for business expenses. Certain types of credit you use could affect your score. Be very careful because many people don't realize it. Just remember, CREDIT IS EVERYTHING!!!

Following these simple tips will help you build an excellent great score. Having an excellent credit score allows you the opportunity to qualify for the lower interest rates on mortgages. Having an excellent credit gives you better interest rates when shopping for a vehicle. So remember using your credit wisely is a key to having stress free life. It is also one of the keys to building wealth!

10 STEPS TO FINDING THE SUITED CONDO

Rosey Eden (Loan Network, LLC) — Mon, 24 Sep 2007 20:14:19 -0500

Here is a list of questions usable to ask when searching for a condo/townhome to purchase or invest in...

1. Are there any current assesments in place or planned for the near future?

-Will there be major assessments to cover painting, a new roof, updating the lobby, etc. What about any increases in the maintenance fee to cover any increasing costs for the standard items? Always request to review the homeowners association budget.

2. Is there a washer and dryer in the unit?

-If not, inquire to see if one could be installed or if the plumbing in the building is even adequate to handle such an addition. Even if the building can accomodate the additional plumbing line, it pays to investigate the association's policies.

3. If you plan to purchase the unit as an investor, be aware of the rental laws and regulations.

-It is said to be a 30-Day minimum rental. Some buildings are stricter then others and may have a 90-Day minimum rental. There are other properties that are zoned "resort" and allows for day-to-day or week-to-week rentals. Be careful, always do your research before buying anything.

4. Check to see if the building allows pets.

-There is house rules that applies. If there are any restrictions, find out what type of rules that applies for what type of pets. Like how many pets are allowed, how much, what is the maximum weight allowable, and so forth. Often times a complex may allow only a cat and if they allowed dogs they may typically restrict the animal size and pound limit. What about adding a 50 gallon fish tank, is that allowable, do you need extra insurance to cover any unit damages, etc.

5. Are there any additions or improvements done to the unit without the necessary permits or condo association approval?

-Thisn may be a common problem with enclosed lanais. This type of improvement will probably require City & County as well as the association approval. If the enclosure was improperly or illegally done, the unit may be in violation of the condominium house rules and bylaws of the association.

6. Ask your lender if the condo/townhome you are considering meets the requirements for a loan.

-The most common issue that arises is the owner-occupant ratio. Ideally the lender would like to see a minimum of at least 60% owners living in the building or complex of a condo/townhome. Even needing to meet certain square footage may be difficult for some lenders. If the occupancy rate is significantly less this potentially could pose a problem with obtaining certain types of financing-especially for buyers with minimum down payments or investors.

7. Does the unit come with parking?

-Don't assume that every unit provides a parking stall. Find out how many parking stalls is available. Find out how many parking stalls comes with the unit. Are they covered parking or secured? Are they other stalls available for rent should it may be needed.

8. Is there any guest parking available?

-This is important to know if there is guest parking available. If not, are they any parking near by that allows guests to park there and walk over to the complex.

9. Does the building provide central air units?

-Find out if there is any central air conditioning units available. If so, find out who takes care of the maintenance and when was it last done. If not, can air conditioner units be installed.

10. Get a copy of the condominiums/townhouse's house rules and read them.

-Owners and occupants are expected to follow the association and house rules. Is there any part of the house rules you cannot live with? Some buildings will have restrictions on window coverings, they need to be a certain color like white or conform. Keep in mind that upgrades and improvements almost always need association approvals before the work is started.

Hopefully some or all of these tips become useful in searching for that suited condominium or townhouse. Always remember to take into consideration the monthly maintenance fees along with your mortgage payments and property taxes. It always pays to know in advance.

Good Luck, Happy Hunting!!!

GREAT ALOHA RUN-Good for your body...good for our community

Rosey Eden (Loan Network, LLC) — Mon, 24 Sep 2007 17:53:09 -0500

Aloha Everyone!

Be a Great Aloha Run Hero: Race with Compassionate Love or Do Something Great for Yourself and Your Commnuity. Need to raised money for Project Graduation, a church ministry, a trip to a mainland tournament, band concert or parade? Have a special Hawaii charity near and dear to your heart?

Now you can raise your fundraising dollars through the Great Aloha Run's MYGREATRACE program. Once you are registered for the Great Aloha Run and the MYGREATRACE program, you can raise funds for your special cause by collecting sponsorships for each mile you walk or run on Race Day. After Race Day, the Great Aloha Run will donate 80% of the funds you have raised back to the organization, non-profit, or charity you designated. Proof of non-profit required. For more information, go to www.greataloharun.com and click on Fundraising!

The Great Aloha Run are also looking for volunteers, for more information go to www.greataloharun.com

For Anyone who may be interested in participating or donating to a good cause, please let me know. My email is roseyeden@gmail.com.

The 24th Annual 2008 Hawaiian Telcom Great Aloha Run

President's Day, Monday February 18, 2008 7am Sunrise!

The Great Aloha Run is a flat 8.15 mile course that starts at Aloha Tower in downtown Honolulu, winds it's way along the historic harbor, down Nimitz Highway, Kamehemeha Hwy and on to the Aloha Stadium. There will be aid stations through out the course along with beverages with live entertainment along the entire course.

Three Ways to Register-

1. Registration by Mail: Send check and entry form to Great Aloha Run, P.O. Box 29750, Honolulu, Hi 96820

2. Online Registration: www.greataloharun.com by February 10, 2008.

3. Register at Packet Pick-Up at the Great Aloha Run Sports, Health & Fitness Expo February 15-17 at the NBC Exhibition Hall (Neal Blaisdell Center)

Your entry donations are non-refundable and includes eligibility for random-draw prizes, t-shirts for finishers only, post race refreshments and entertainment. There is a $20 charge for returned checks.

For more information visit www.greataloharun.com

5 FREQUENTLY ASKED QUESTIONS

Rosey Eden (Loan Network, LLC) — Thu, 20 Sep 2007 02:19:14 -0500

1. What's the difference between a mortgage broker and a lender-and what's the advantage of using a broker?

A mortgage broker offers the loan products of different lenders, but doesn't lend the money. Where a lender makes the final decisions regarding loan approvals and provides the money to the borrowers at the closing table.

A Mortgage broker also offers the borrowers different proposals to choose from before making the final decisions on which particular program is going to best suit their financial goals and needs. In other words, brokers are the experts at shopping the market for the borrowers. Brokers also takes the loan applications, prices the loan, and locks the interest rates. The brokers will build a full complete file before submitting to the lender. Once approved the broker will then schedule a signing time to sign loan documents.

The lender is one that will fund the loan and make sure it gets recorded, then disburses all of the loan proceeds to the necessary parties.

2.How do mortgage brokers make money?

The lenders that mortgage brokers deal with quotes wholesale prices leaving it to the brokers to add a mark up. The wholesale price plus the mark up equals the retail price the broker quotes to the consumer.

3. Won't I pay less if I go directly to the broker?

You could pay less, or you could pay more, it all depends. The wholesale prices that lenders quote to the brokers are lower then the retail prices quote to borrowers because of the work that brokers do for them that lenders would have to do themselves.

4. What should I know about mortgage auction sites like Lendingtree.com?

Mortgage auction sites pull together a group of lenders who actually bids for your loan. Another so-called nane for this is "lead-generation sites" because from most lenders perspective that is what they do. A "lead" is a packet of information about a consumer in the market for loan. Therefore lenders pay for leads and auction sites that are of important sources to them.

5. Should you refinance with your current lender?

In a case of refinancing with your current lender, the one option that could possibly be beneficial to you (the borrower) is that the lender may have the position to waive some settlement costs because you are an existing customer. A lender may also offer a deal that is better then the one you currently have. If the lender knows your interested in refinancing they would want the new loan. Some lenders have what is called "retention" programs which is supposed to be designed to recapture as many as possible the borrowers who are determined to refinance, and try to offer you to lower settlement costs than a new lender but this can vary from case to case.

7 WAYS TO GAIN THE CONFIDENCE TO START YOUR HOME-BASED BUSINESS

Rosey Eden (Loan Network, LLC) — Wed, 19 Sep 2007 19:55:29 -0500

Deciding to start your very own home-based business is almost everyones dreams, but at the same time it could feel intimidating. The world of entrepreneruship is full of exciting and endless possibilities. The opportunity that awaits you is absolutely worth every moment to spend considering your role in the free marketplace.

1. START LOOKING FOR AN OPPORTUNITY-it's FREE to dream!

If you've been considering the endless benefits of operating your own home based business from the comfort of your home, it's time to start looking at the opportunities that are available. There is NO financial investment required to consider your available options, plus it's fun and exciting to dream of the possibilities. Once you start looking at all the companies, products and services offered through direct sales and network marketing companies, I gurantee you will find an opportunity that ignites your passion.

2. OPEN YOUR MIND TO EXPLORING A NEW VENTURE-

It's easy to feel overwhelmed by all the information you need when starting something new, especially a home-based business. Take a moment to breathe and relax and give yourself permission to be a novice and learn the information as you experience the process of building your business. If your serious about building a business from home, you will learn all of the skills and the knowledge you need as your business develops.

3. CLARIFY THE REASONS FOR YOUR GOAL-Everyone should have goals & accomplishments writtend down

Think about all the changes you are seeking in your life. How can your business help produce those results. Take a moment to connect to your desires and list the reasons you're considering an opportunity. By creating this connection to your dreams and desires it's one of the most compelling methods to find the courage you need to actually start a home-based business, rather to just dream about it, learn and do research about it and go get it.

4. REALIZE THAT SUCCESS DOESN'T NEED A PHD DEGREE OR ANY SORT OF DEGREE-

Unlike most jobs, a college education is not required to succeed in a home-based business. You'll often find that the person who was thought of the least to succeed is often the one person with the most greatest motivation to get started and create results in this industry. To succeed in your own business, you only need two characteristics: moderate people skills and A LOT of desire. If you possess these two attributes, your success is already impending, provided you are willing to stay in the game. I have seen intelligent people go through challenges in life, and I have seen many people with no formal business training become successful in the industry and create unbelievable success stories.

5. PUT YOUR FEARS TO REST-

Anxiety and stress is often mistaken for the fear of success or the fear of failure. In reality, fear is a physical presence, what most people experience when considering change is anxiety. Anxiety is an emotion connected to an even from the past that we project into the future by anticipating what may or may not occur. If you're already worried about how to make this thing work, relax. You are creating emotions around a situation that hasn't even happend yet. Take a deep breath and give yourself permission to take on a new venture one day at a time. The more you are aware of the emotions, the easier making the decision to get started will be.

6. IDENTIFY AND ACKNOWLEDGE YOUR STRENGTHS AND WEAKNESSES-

One way to significantly increase your confidence when you enter any new endeavor is to acknowledge your strengths. These are the skills you have already developed through years of experience. Take a moment to list at least 10-20 skills and strengths you currently posses. It may be easy to focus on the skills you do not have yet, especially when considering a new endeavor, but it's much more empowering to recognize and acknowledge the skills you do have, then consider how these skills can benefit you as you continue to grow and develop other skills you want to obtain.

7. SCHEDULE TIME FOR YOUR BUSINESS BEFORE YOU GET STARTED-

Here is another wonderful confidence booster is to know exactly when you will have time to produce results in your business. Life is so full, even without a business that it can seem overwhelming to consider adding another responsibility. Creating time in an already hectic schedule will require you to temporarily borrow time from another avenue of life to create time for your ventures. It will all work out in the end when you set a scheduled time for particular tasks to get done by and make sure it gets done. It will help with your business to be organized.

Good Luck with creating and multiplying your brillant ideas to start a home-based business.

PAYING ATTENTION TO WHAT YOUR CUSTOMERS WANT

Rosey Eden (Loan Network, LLC) — Sat, 08 Sep 2007 19:21:04 -0500

To acquire effective methods of follow-up, you must know the concerns that customers have about service follow-up. You'll only be able to service your clients well when you know what their needs and wants are.

Customer's Most Concerns About Selling and Servicing:

-Customers look to receiving a call when they are promised a call back

-Knowing the appropriate contact information and the best time to call is also important

-Being able to discuss any final decisions with the person who makes the final decisions

-When customers feel that their best interest is within their salesperson's state of mind

-Appropriately spending less time on hold in order to speak to a physical person with any concerns

-Being kept informed every step of the way and knowing the status of the transaction

-Being given different options and proposals so that they are aware of what they are qualified for

-Knowing that they are going to be saving and acquire great benefits to them in the long run

-Receiving all the information that there is to know to make a better decision on a long term goal

-Being given realistic and honest information and gaining the trust of their salesperson is important

-Most importantly being addressed politely and receiving the attention to provide the best possible service

By making follow-up and service a regular part of your day, you can definately address all these customer concerns and maintain an edge over your competitor, who may not be as determined to follow up as you. When providing excellent service and follow-up with your clients and prospects, you will always earn the reward of being referred to someone they know and watch it multiply. The rewards of a great customer service is always a rewarding accomplishment.

You Are Entitled To A Second Opinion

Rosey Eden (Loan Network, LLC) — Sun, 26 Aug 2007 20:02:46 -0500

You Are Entitled To A Second Opinion-Even If You Have Already Been Pre-Approved For Your Mortgage

Imagine you have just found out that you have to have surgery and it could be pretty extensive. Well most people just won't take the first advise, they seek for a "second opinion".

That's the way it shoud be with your mortgage too. If you have already been pre-approved or pre-qualified for a mortgage on your next home, are you absolutely sure you are getting the best deal?

I'm not talking about interest rates either. I'm talking about the structure of the deal itself. Donald Trump, in his book "The price that you pay is the least of his worries in a transaction. It's how the deal is structured is what matters most." You could have been quoted a wonderful interest rate, but if your financial house is not in order, the best interest rate could be absolutely the worst loan for you.

I'm not saying that the interest rates are NOT important-they are. But, here are some of the things you need to consider and why you need a "second opinion"n from ME:

-Should you decrease your down payment and use your cash to pay off your higher credit card debts?

-Should you pay "points" or "loan origination" fees?

-Does a no-cost mortgage make more sense for you?

-Are you better off with an adjustable rate or a fixed rate?

-Did your lender show you how to save thousands of dollars and take 5 years off the mortgage term?

IF they did not talk to you about any of these issues-then YOU definately need a "Second Opinio" from ME.

It won't hurt to see if your mortgage has been structured correcly. You have everything to gain and nothing to lose. You can simply walk away knowing that your lender has done a good job for you. Or, you will find out that they haven't. Either way, you win.

Call ME Rosey Eden at 808-203-6313 to get a "SECOND OPINION". It's FREE! You won't be disappointed.

The 7 Steps to FINANCIAL Security

Rosey Eden (Loan Network, LLC) — Wed, 08 Aug 2007 01:39:33 -0500

Financial freedom is the wonderful ability to make self choices about what you want to do in life without the ristrictions of money pressures.

Here is Steps...

1-Take Responsibility For Your Money

-If your single, raising a family, married or in a long-term relationship, with or without children and your the breadwinner, provider and custodian of your financial affairs, remember communication is the key. Discuss your feelings about who's in charge of the different money roles and how you will share the financial responsibility. Share finances equally if possible to eliminate any misunderstandings when certain circumstances arises. This will eliminate any unnecessary arguments when money becomes a problem. If bank accounts are shared, distinguish who is in charged of what, when and how so surprises doesn't arise. For instance over spending or over drawn accounts. Everything should be accountable if there is a justifying reason for such spendings.

2-Confront Any Fears

-The number one fear that most men or women have about money is that they will be broke when are get old. "Statistics sgow that for every one hundred men or women who reaches the age of 65, only 2 are financially independent". So the reality is that whether you are rich, poor or in between, the person you need to rely on to keep you from the poorhouse is YOU. Other fears may include-Losing Money, Looking Stupid, Talking About Money,Making Mistakes, Failing, Borrowing Money, Investing, Having No Trust for thy self, or Sticking with People who Give Bad Financial Advise. The upbringing could be a main factor on your money habits. Not having enough knowledge and insight about money and carrying a load of debts.

3-Become Financially Intelligent

-Learn how money works. It's not that complicated. There are many money courses you can take to learn the basic principles of money management. Like learning how to manage your bank accounts to sophisticated investing. Good places to look are at your local libraries, or local communities and most classes are free. There are many good books to get at book stores also.

4-Do a Reality Check

-The financial truth could be intimidating, so people tend to avoid it or deny that there is anything wrong. If you are struggling financially, get some financial advise from someone who has been down the same path. Don't live in a fantasy world like most people do, instead live in the real world. Learn to write all finances down on paper so you could always refer back to it to analyse how much is being spent and where. This will give you a good idea on money management. Learn where your financial priorities are before you go ahead and spend an arm and a leg when you may not necessarily need to on things you really dont need. In the long run your honesty with extra spendingwill pay much better dividends then before.

5-Look Ahead, Know What's Coming

-The danger with a hectic, multi-tasking lifestyle is that one week just blends into the next, and suddenly before you know it half the year has gone. What's worse is when your immersed from week to week and you can't see the bigger picture. As far as your money is concerned, you need to look down the road to see what's coming in order to avoid any surprises. Ask yourself what major purchases or payments will be required in the next 2 years, a new car, home improvements, college tuition, a wedding, medical expenses, a vacation, or a significant charity or donation. Did you plan in place for what these may cost? or do you just "hope you make it plan" might work that by spending on unplanned events may create another financial hole from which may take years to pay off? Always plan ahead so you don't create another financial hole for what may come ahead.

6-Dump Your Bad Habits

-We spend money constantly, which means we develop spending patterns. When we make bad choices abvout money we end up with all sorts of negative circumstances. So try writing down your bad spending habits so you are able to see the spending patterns you create with out realizing it. Make a committment and stop the behavior. No more impulse spending, or late payments because paying back is a high price to pay.

7-Create A Plan and Stick With It

-This may be hard for most people but staying focus on the end result and the freedom, your financial disipline will bring you joy. Money problems are one of the main causes of broken relationships. Use what ever stimulus it takes to motivate you.

18.5 Characteristics of Sales Career FAILURES

Rosey Eden (Loan Network, LLC) — Sun, 10 Jun 2007 05:17:38 -0500

We are each responsible for our own success (or failures). Winning at a career in sales in no exception. To ensure a win, you must take a proactive approach. Prevention of failure is an important part of that process. If you find yourself saying,"I'm not cut out for sales",..."I'm not pushy enough", "I hate cold calling", "I can't take the rejection", then you are heading down the wrong path.

Here are 18.5 recurring characteristics and traits of people who thought they could hit a home run in a sales career. But struck out in their attempts where many of them with their bat on their shoulder-failing to swing at the ball (or chance) as it passed them by for a called third strike.

How many of these apply to you?

1. You don't believe in yourself. If you don't think you can do it, then who will?

2. You don't believe in your products. Failure to believe that your products or services is the best will show. Lack of conviction is evident to a buyer and manifests itself in low sales numbers.

3. Failure to set and achieve goals. Failure to plan. Failure to define and achieve specific long-term (what you want) and short-term (how your going to get there) goals.

4. You'r lazy ("slacker") or just not prepared to make the sale. Your self-motivation and preparation are the lifeblood of your outreach. You must be eager and ready to sell, or you won't.

5. Failure to understand how to accept rejection. They're not rejecting you, they're rejecting the offer you're making them.

6. Failure to master the total knowledge of your product. (failure to know your product cold) Total product knowledge gives you the mental freedom to concentrate on selling.

7. Failure to learn and execute the fundamentals of sales. Read, listen to cd's, attend seminars, and practice what you've just learned. Everything you need to know about sales has already been written or spoken. Learn something new everyday.

8. Failure to understand the customer and meet their needs. Failure to question and listen to the prospect and uncover their needs.

9. Failure to overcome objections. This is a complex issue. You are not listening to the prospect, you are not thinking in terms of solutions, you are not able to create the confidence and trust suitable enough to cause (effect) a sale. People aren't afraid of failure, they just don't know how to get to success.

10. Can't cope with change. Part of sales is change. Change in products, tactics, and markets. Roll with it to succeed. Fight it and fail.

11. Can't follow rules. Salespeople often thinks rules are made for others. Think again. Broken rules will only get you to "no sales".

12. Can't get along with others. (co-workers and customers) Sales is never a solo effort. You must be a team player with your co-workers and partner with your customers.

13. Too damn greedy. Selling for commissions instead of helping customers. Raping a customer just to get that big paycheck. Selling a product or program that will not benefit them in the long run. Meeting "your" financial needs rather then theirs. "Loser".

14. Failure to deliver what you promised. Failure to do what you say you're going to do, either for your company or your customer, is a disaster from which you may never recover. If you do it often, the word gets out about you.

15. Failure to establish long-term relationships. Trying to make commissions leads to failure through insincerity, failure by lack of service, failure to be motivated by anything but money.

16. Failure to understand that hard work makes luck. Take a close look at the people you think are lucky. They put years of hard work to create that luck. You can be just as lucky when you put in the time and hard work.

17. Blaming others when the fault or responsibility is yours. Accepting responsibility is the point of succeeding at anything. Doing something about it is the criterion. Execution is the reward not the money-money is just the product of perfect execution.

18. Lack of persistance. You are willing to take no for an answer and just accept it without a fight. You are unable to motivate the prospect to act, or are willing to persist through the exposures it takes to make the sale.

18.5 Failure to establish and maintain a positive attitude. The first rule of life.

Failure is not about insecurity. It's about lack of execution. There's no such thing as a total failure. "Failure is an event, not a person." Zig Ziglar

There are degrees of failing. Here are 4.5 of them. What degree are you?

1. Failing to do your best.

2. Failing to learn.

3. Failing to accept responsibility.

4. Failing to meet or pre-set goals.

4.5 Failing to have a positive attitude.

If you are weak in any one of the above 18.5,it is urgent that you make a change as soon as possible. Sales weaknesses are like cancer-mostly self-inflicted due to bad habits and neglect, easy to uncover, hard to cure-but not impossible. It takes outside help and regular treatments to maintain excellent sales health.

"The Ultimate Sales Resource"-The Sales Bible by Jeffrey Gitomer

19.5 Early SIGNALS To Look For that the Prospect is ready to Buy or Refinance?

Rosey Eden (Loan Network, LLC) — Thu, 07 Jun 2007 02:06:48 -0500

1. Questions about interest rates? What is the current interest rates going for today?

2. Questions about different programs? What are my options in the different programs available?

3. Questions about debt consolidation? Am I able to consolidate my debts? How much?

4. Questions about cashing out? Would I be able to do a cash out on my Equity?

5. Positive questions about your business? How long have your company been in the business?

6. Questions about services and experiences? What type of services do you provide? How long have you been doing this? How many clients or referrals do you have?

7. Questions about pre-qualifying or qualifications? How do I get pre-qualified today?

8. Questions about how long does the process takes? Can you close a loan in 14 days?

9. Specific questions about the company? How many branches do you have?

10. Questions about purchaing or refinancing? Am I able to buy a house? Am I able to refinance?

11. Questions about closing costs? How much does it cost to purchase or refinance?

12. Questions about points and fees? How much will I be charged to purchase or refinance?

13. Questions about the real estate market? Is this a good time to buy real estate?

14. Questions about specific areas to buy? What is a good area to consider buying?

15. Questions about how long does signing the documents takes? Will it be an hour to sign papers?

16. Questions asking how long does an appraisal take? Will the appraiser inspect my property?

17. Questions about sellers credits? Is there such thing as discounts?

18. Questions about FHA/VA loans? Am I able to use my VA?

19. Questions about credit history? What will my FICO scores mean?

19.5 Your ability to convert the signal into a sale...Every one of these signals (questions) can be turned into a closing question that will lead to a faster sale-if you do it right.

RECOGNIZING BUYING SIGNALS IS CRITICAL TO YOUR SUCCESS AS A SALESPERSON. YOU WILL GO PAST THE SALE IF YOU FAIL TO RECOGNIZE THEM. MANY DO.

The JOY of INSPIRATION

Rosey Eden (Loan Network, LLC) — Mon, 04 Jun 2007 01:22:36 -0500

We all know that in this industry...we ALL must be motivated and inspired to continue to do the things we do best. Especially if our passion is with helping others with their financial goals and needs.

If it's desperation that motivates you to make changes, there's usually that silver lining when the worst is over. If you take the time to reflect, valuable lessons could be learned. However, a much healthier way to make changes are through inspiration.

You ask yourself, "how do you become inspired?"

There are so many ways. We all get inspired by watching others. Sometimes the person least likely to win a talent show contest, a gold medal, or others who become successful in the business who could prove everyone wrong. We love to encourage the person who has been given no chance but has the courage and determination to give it their best shot. But quite often these surprise winners could light a fire in us. We think, if she can do it, why can't I? Just that simple thinking could just give you the boost to make the changes you want to make.

You could look for other ways to be inspired. It could be a great book, a good movie (for instance "Pursuit for Happiness"), a beautiful painting, or music you love to listen to could be inspiring. Looking up to someone, such as a mentor who you respect and admire, can inspire you to be successful too. You could learn so many different ways from that one person just by the way they speak to you, by what they teach you and so forth. Just like me today I can still clearly remember just 3 months ago I got reacquainted with a guy I had met who came to visit my previous office that I worked at a year ago and was so inspired by his intellegence, his knowledge and his success. That after that one day, I thought "wow this guy is awesome, he's a good motivator, and would make an awesome mentor". And you know today, if it was not for this one man who everyone knows as SHANE SARAE I would not be where I am today, know the things that I have been taught and how to change the way I think and feel. Since then each day that goes by I am continuously learning something new every day and it just gets better and better. I remember the day Shane introduced me to a movie called "The Secret", oh my gosh after watching the movie, it was so inspirational and so real that it does make a big difference as to how you train your mind and your thoughts to feel. It was amazing. So having a mentor who you respect and admire can inspire you to be successful too in so many great ways.

One of the things that I learned was that one of the best motivators is to make a list of compelling goals. Paint a picture of what you want and visualize what it will feel like when it becomes a reality. Inspiration will ignite your creativity and passion. Just thinking about the possibilities can make it difficult to sleep at night.

Also remember that the people you surround yourself with do make a difference. If you were brought up in a happy household where love and joy were plentiful, chances are you had the opportunity to test your strengths and weaknesses without fear of reprisal. And if you make a wrong decision it wasn't the end of the world. People who has a strong network-a loving family or a solid group of friends-seems to handle the ups and downs of life better then those who feel alone or who are lacking encouragement. Like for most women we enjoy support of other women. We like being together, talking and sharing. There are lots of opportunities for this, like busines networks, and social clubs. Having a "buddy" or focusing partner who you connect with once a week is a great way to help you stay accountable as you strive to accomplish an important goal or make changes. Just remember to keep building your support systems. There are vitally important. Now if you ever need an awesome mentor, motivation or an inspirational moment, please do not hesitate to call or contact me and I be more then happy to link you with my mentor Shane Sarae you could learn alot of good stuffs.

Have a Wonderful Day! or as what Shane would say "Today is an Awesome Day", or "God is Good all the Time"

39.5 RULES OF SALES SUCCESS

Rosey Eden (Loan Network, LLC) — Tue, 22 May 2007 03:04:53 -0500

People aren't afraid of failure; they just don't know how to succeed. We are each responsible for our own success (or failure). Winning at a career in sales is no exception. To ensure a win, you must take a proactive approach. Prevention of failure is an important part of that process. If you find yourself saying, "I'm not cut our for sales," "I'm not pushy enough," "I hate cold calling," "I can't take the rejection," "My boss is a jerk," "My boss is a real jerk," you're heading down the wrong path.

Here are 39.5 recurring characteristics and traits of succesful salespeople. How many of these apply to you? How many of these guidelines can you honestly say you follow? If you are serious about achieving sales success, I recommend you post this list someplace where you can see it every day. Read it and practice these principles until they become a way of life.

1. Establish and maintain a positive attitude...The first rule of life. Your commitment to a positive attitude will put you on a path to success that will be unstoppable. If you doubt it you don't have a positive attitude. As positive attitude is not just a thought process, it's a daily commitment.

2. Believe in yourself...If you don't think you can do it, who will? You control the most important tool in selling; your mind.

3. Set and achieve goals. Make a plan...Define and achieve specific long-term (what you want) and short-term (how you're going to get what you want) goals. Goals are the road map that will direct you to success.

4. Learn and execute the fundamentals of sales...Never stop learning how to sell. Real, listen to tapes, attend seminars, and practice what you've just learned. Learn something new every day and combine it with hands-on experience. Knowing the fundamentals gives you a choice in a sales call.

5. Understand the customer and meet his/her needs...Question and listen to the prospect and uncover true needs. Don't prejudge prospects.

6. Sell to help...Don't be greedy, it will show. Sell to help customers; don't sell for commissions.

7. Establish a long-term relationship...Be sincere abd treat others the way you want to be treated. If you get to know your customers and concentrate on his/her best interest, you'll earn much more then a commission.

8. Believe in your company and product...Believe your product or service is the best and it will show. If you don't believe in your product, your prospect won't either.

9. Be prepared...Your self-motivation abd preparation are the lifeblood of your outreach. You must be eager and ready to sell, or you won't.

10. Be sincere...If you are sincere about helping, it will show, and vice versa.

11. Qualify the buyer...Don't waste time with someone who can't decide.

12. Be on time for the appointment...Lateness says, "I don't respect your time." There is NO excuse for lateness. If it can't be avoided, call before the appointed time, apologize, and continue with the sale.

13. Look professional...If you look sharp, it's a positive reflection on you, your company, and your product.

14. Establish rapport and buyer confidence...Get to know the prospect and his company; establish confidence early. Don't start your pitch until you do.

15. Use humor...It's the best tool for relationship sales I have found. Have fun at what you do. Laughing is tacit approval. Make prospect laugh.

16. Master the total knowledge of your support...Know your product cold. KNow how your product is used to benefit your customers.

17. Sell benefits, not features...The customer doesn't want to know how it works as much as he/she wants to know how it will help him/her.

18. Tell the truth...Never be at a loss to remember what you said.

19. If you make a promise, keep it...The best way to turn a sale into a relationship is to deliver as promised. Failure to do what you say you're going to do is a disaster from which you may never recover. If you do it often, the word gets out about you.

20. Don't down the competition...If you have nothing nice to say, don't say it. Set yourself apart from them with preparation and creativity-don't slam them.

21. Use testimonials...The strongest salesman on your team is a reference from a satisfied customer.

22. Listen for buying signals...The prospect will often tell you when he/she is ready to buy-if you're paying attention. Listening is as important as talking.

23. Anticipate objections...Rehearse answers to standard objections.

24. Get down to the real objection...Customers are not always truthful; they often won't tell you the true objections at first.

25. Overcome objections...Listen to the prospect, and think in terms of solution. Create an atmosphere of confidence and trust strong enough to cause a sale.

26. Ask for the sale...Sounds too simple, but it works.

27. When you ask a closing question, SHUT UP...The first rule of sales.

28. If you don't make the sale, make a firm appointment to return...Quite often if you don't make the next appointment when you're face-to-face it may be a long, hard road to the next one.

29. Follow up, follow up, follow up...If it takes between 5 and 10 exposures to a prospect before a sale is made, be prepared to do whatever it takes to get to the 10th meeting.

30. Redefine rejection...They're not rejecting you; they're just rejecting the offer you're making them.

31. Anticipate and be comfortable with change...A big part of sales is change. Change in products, tactics, and markets. Roll with it to succeed. Fight it and fail.

32. Follow rules...Salespeople often think rules are made for others. Think they're not for you? Think again.

33. Get along with others (co-workers and customers)...Sales is never a solo effort. Team up with your co-workers and partners with your customers.

34. Understand that hard work makes luck...Take a close look at the people you think are lucky. They or someone they know has put in years of hard work to create the luck. You can get just as lucky.

35. Don't blame others when the fault (or responsibility) is yours...accepting responsibility is the point for succeeding at anything.

36. Harness the power of persistence...Are you willing to take no as a challenge instead of a rejection? Are you willing to persist through the 5 yo 10 exposures it takes to make the sale? If you can, then you have begun to understand the power.

37. Find your success formula through numbers...By determining how many leads, calls, proposals, appointments, presentations, and follow-ups it takes to get to the sale. And then follow the formula.

38. Do it passionately...Do it the best it's ever been done.

39. Be memorable...In a creative way. In a positive way. In a professional way. What will they say about you when you leave? You always create a memory. You choose the memory you leave. You are responsible for the memory you leave.

39.5 Characteristic is the most important of them all-have fun! You will succeed far greater at something you love to do. Doing something you enjoy will also bring joy to others. Happiness is contagious.

Not following the rules leads to slow but sure failure. It doesn't happen all at once-there are degrees of failing. Here are 5 of them. What degree are you?

1-Failing to do your best.

2-Failing to learn the science of selling.

3-Failing to accept responsibility.

4-Failing to meet quota or pre-set goals.

5-Failing to have a positive attitude.

Success is a level of performance and a self-confidence brought about by winning experiences. Failure is not about insecurity. It's about lack of execution. There's NO such thing as a total failure. Zig Ziglar has an answer: "Failure is an event, not a person." Vince Lombardi said it better. "The will to win is nothing without the will to prepare to win".

"The Sales Bible" By Jeffrey Gitomer. He is the best sales trainer in the world. He gives seminars, runs annual sales meetings, and conducts training programs on selling and customer service. "He is Awesome"!!!