Business Opportunity Leads - Are You Aware of the Scammers Selling Their SEO Services?

They are out there! No matter what the business opportunity or service it is, whether it is on the internet or maybe a local brick and mortar type store. Maybe it is a major national bank, insurance company, or oil company...There are unscrupulous people out there working to part you from your hard earned money.

I think everyone and their brothers know both individually and as a whole that we have been getting lied to, cheated, and coerced by insurance, drug companies, oil companies, medical costs, and our banking industry. Oh well...one thing at a time.

What is it that SEO companies are doing unethically?

First off, there are a good number of legitimate SEO companies out there. The problem is that there are many who just want your money. They will tell you all kinds of things. They will even show you how they are able to get keywords to the top positions of the search engines results in days.

If you are new to SEO (search engine optimization), it is easy to be misled. What they do "not" tell you is that the keywords that they brag about absolutely do not produce any traffic! Is not that the whole purpose of SEO? It is so you can drive business opportunity leads to your web site.

These SEO companies will charge you 200 dollars to get top positions for search terms that will not produce. Tell them you want "home based business" or "make money online" and they will say it cannot be done. They want your money and once they have it, will discard you like the butt of a cigarette when you are done with your smoke. I did not mention that when they get your keywords in the top positions, that will be it! They will not do any more for you unless you pay them more money. It is misleading to promise high positions when they do not tell you that your positions will soon drop if you do not keep up with them.

In all reality, the things they tell you are in fact true but are misleading. That is why I refer to them as SEO scammers. Put it this way...I personally can get your keywords to the top position (quickly) in the search engines if it is not something many others are trying to get as well. In many instances, you are competing with literally millions of web sites for any particular keyword or keyword phrase. I personally can get higher level type keywords to the top (and I have) but it takes more than days or weeks. It literally takes months and a lot of hard work.

It all goes back to that old adage..."If it is easy to do, everyone would be doing it". It's not! There are few that can do SEO and achieve high rankings. There is just so much competition for your better keyword phrases.A legitimate SEO company would charge you big time bucks to go for a heavily searched keyword phrase. If you had the money, it would probably be worth it depending on the amount of business opportunity leads or sales you would achieve on a daily basis.

The best piece of advice I could give you would be to do a search in Google for SEO companies. The legitimate ones will be the first ones that come up in your search results.

Generally speaking though, if you pursue using SEO, be careful of the SEO scammers.

There is no better way to get the highest quality of business opportunity leads to your web site than SEO. These are people searching for what you have to offer!

Jim Eberle is currently working with a diverse team of like minded individuals in a co-op type atmosphere to build our business opportunity. This growing team currently consists of people from Ireland, Australia, England, Canada, and the United States. This team of network marketers are combining our efforts to obtain high positions in search engines like Google for higher level type keyword phrases.

Where as many people usually fail when trying to build a home business to supplement their incomes, we work together to ensure everyone has success. Anyone who becomes affiliated with us becomes successful as that is how "we" as a group become successful!

The goal here of course is for many people doing a little instead of several people doing a lot to ensure that success. All traffic and customers are derived from SEO. We do not call anyone unless they request it. We have a number of web sites but I can only submit two here. To learn more go to...

http://www.businessopportunitycoop.com/

http://www.homebasedbusinessteam.com/

Seven Steps in Selling Your Insurance Agency

Most agency owners have put their time, energy and heart in building their business. The business is a part of their life. The sale of one's business is usually a one-time event. It therefore makes sense to take the time and get it right the first time.

Just like building a business, there is no exact cookie cutter approach in selling the business. However, there are general guidelines to follow.

The following seven steps outline the overall approach one should take in selling their business.

Step One - Planning to Sell

You wake up one day and realize it would be great to spend more time you're your spouse, grandchildren or even playing golf. Perhaps, some client or underwriter gave you a hard time and you figure that was the straw that broke the camel's back. You lost a key market and don't have the energy or time to remarket your accounts.

It may seem funny, but situations like these are usually the trigger point for many owners to actually do something about selling their business.

When deciding to sell the business, an owner needs to check inside to see what the real expectations are. Selling a business is not like selling stock in GM. The agency is part of the owner's life and it is not a simple commodity to trade.

Snap decisions to sell usually result in long drawn out negotiations or other complications. When an owner spends some time planning the sale of the business, many common problems are minimized or avoided.

The first step is to work on a plan to sell the business. Theoretically, this plan should be started the day one becomes an owner. More practically speaking, planning to sell the business should start at about five years out.

Planning should include a review and initial analysis of the areas covered in the next six steps in the process.

Step Two - Who To Sell To

The thought process on who to sell to is basically a decision tree. First, should the sale be internal (to someone in the agency) or external (to another agency or outside party).

If the sale is to be internal, who are the candidates? Will new talent need to be brought in to help with the sale?

If the sale is to be eternal, will it be to a local agency, large regional agency versus, a publicly traded national broker or even a bank. It is a seller's market - finding a buyer is not a problem. Finding the right buyer is what it is all about.

Regardless of who the buyer is, it is important to do a thorough compatibility analysis. The goal is to match up the expectations and philosophy of the buyer to the seller. This will lead to the next step.

Step Three - Hire Professionals

Should the owner of a business research, analyze and buy insurance without an agent or broker? Most of the readers of this article would say "no." Agents and brokers provide a value added service through their experience and training. Likewise, there are professionals that can greatly assist with the sale of a business.

The merger and acquisition consultant should be brought in early, to help out in the planning process. A good consultant will advise on when to sell, who to sell to and what to expect. Consulting firms, like Oak & Associates, that specialize in insurance agencies will work with sellers and buyers to determine the best fit so that any sale or acquisition is a win-win deal. The work of a qualified consultant should develop the framework for the deal, which will be refined by the CPA and the attorney.

The CPA is needed to review the terms of the deal to see the tax implications. In most cases, taxes are the main driver in the structure of the terms of a transaction. Attorneys should review the sale of any business. Often, the buyer is the party that drafts all the legal documents. The seller's attorney is the final advocate for the seller in making sure that all is fair.

Step Four - Agency Value

Many agency owners describe the value of an agency in terms of a multiple of revenue or commission. While this rule of thumb is useful, its limitations need to be understood as well.

The astute buyer will determine value as a multiple of profit - after reasonable income and expenses are established. The multiple of earnings typically ranges between 4.5 and 7.5 based on the perceived strengths and weakness of the agency or book of business.

Agency owners should always be conscious of how business decisions impact the value of the business. Owners should always strive to run the agency in a way to maximize value. This concept should be a fundamental part of the business perpetuation planning process.

It is important to keep in mind that value, price and net proceeds from a sale can all be different. Think of value as a theoretical benchmark. Price is the number of dollars agreed to between the buyer and seller, as what it will take to transfer ownership. Net proceeds from the sale are the actual dollars the seller can put in his or her pocket - after taxes, and after other expenses.

Step Five - What to Sell

The question is: "should the owner sell the stock or the assets?" If the business is an "S" corporation, partnership, sole proprietorship or a LLC this step is usually straightforward - just sell the assets. For "C" corporations, that is another story.

A buyer will want to buy just the "assets" of the firm, which is just the good will of the book of business - sometimes called the expiration list. This is because it helps limit liability and the cost can be amortorized over 15 years. Buying stock does not allow either of these goals.

Sellers want to sell the stock in a "C" corporation to receive only capital gains treatment and avoid the double tax (corporate and personal). Thus the taxman has set up the conflict between the buyer and the seller. If the buyer is willing to buy the stock of a "C" corporation, the seller should be willing to negotiate on price since the tax treatment is more favorable to them.

There are creative ways to structure a deal to minimize tax impact for both the buyer and the seller. Assigning value to consulting agreements and non-compete agreements is commonplace. Both are ordinary income to the seller and can be written off by the buyer. Some deals assign up to 50% of the value to these agreements.

In some cases assigning value to personal goodwill can be used. Personal Goodwill is not owned by the business, but by the individual. Thus any gains from the sale of personal goodwill can be taxed under capital gains only - avoiding the corporate tax from the sale.

Also, the use of a deferred compensation plan could lower the value of the stock and thus lower the double tax. The buyer, however, is still obliged to pay the seller the deferred compensation, which is now an expense to the buyer that can be written off for tax purposes and just ordinary income to the seller.

Consult with a knowledgeable CPA to determine the best approach and the tax implications on the allocation.

If the business is a "C" corporation run, don't walk to convert to an "S" corporation. Keep in mind there is still a ten-year transition period per IRS regulation before the owner can receive full "S" corporation tax treatment.

Step Six - Determine the Terms

As a seller the goal is to get a fixed price with as much paid in cash as possible. As a buyer the goal is to put very little down and pay over several years a percentage of commissions as they renew. In other words, the buyer and the seller usually have opposite goals.

Most deals today tend to be asset deals based on retention of the business. Retention can be limited in scope to just the riskier parts of the book of business. Terms typically include a down payment of 10% to 30% with the balance paid out over three to seven years. The seller typically finances the sale of his or her own business. Keep in mind EVERYTHING is negotiable.

There are many other terms that need to be negotiated and the list will vary. Most important, is the seller staying on? Sellers that remain on for a period of time after the sale will need to have a clearly defined role defined and compensation plan for that role. There is no "typical" situation, but it is not uncommon to have the former owner help with the transition of the business for three to five years.

Step Seven - Close the Deal

Once the terms are agreed to a Letter of Intent should be drafted. This is a semi formal document written in plain English that outlines the key components of the deal. Typically the M&A consultant will draft it and then both parties will sign it.

The Letter of Intent is the blueprint that the CPA and attorney will use to finalize all the documents. A word of caution, the Letter of Intent is intended to save time and money. It is the starting point for the CPA and Attorney. Don't let the CPA or attorney start all over again and renegotiate the deal.

As mentioned earlier, the buyer typically prepares all the necessary documents. The main document is the Purchase Agreement, but there could also be employment agreements, producer agreements, consulting agreements, separate non-compete agreements, personal guarantees, etc. The seller's attorney needs to review these documents and ensure that they meet the goals of the Letter of Intent and are in the best interest of the seller.

A Final Thought

Know up front, there will be bumps in the road. Despite all the planning, there is a good chance some unforeseen situation will pop up. These glitches should be handled using a professional systematic approach. Remember, it is not personal, its just business.

When it is all in place, sit back and relax. Enjoy the fruit of your labor.

Bill Schoeffler is a business consultant and coach with 20 years of experience working with small business owners and individuals. Bill's unique background includes engineering, financial analysis, and inter-personal skills.

He can be reached at (707) 324-5531 or bill@chrysalisfinancial.net. You can find out more at http://www.chrysalisfinancial.net

Buying and Selling Houses - The Complete Guide

Buying or selling your home are amongst the most important decisions you will ever make and require a great deal of thought at every step between deciding on a move to the hiring of a removal van. They also require vital legal formalities and the purpose of these notes is to assist you to understand those formalities.

The Buyer's Offer

If you are buying a property it is wise to make the offer subject to Survey and Contract. This allows you to have a change of mind and not continue with the purchase if, for example, an adverse Survey is obtained or a Mortgage cannot be secured, When you make an offer to the Seller or the Seller's Estate Agents ALWAYS make the offer subject to Survey and Contract. NEVER sign a document at this stage without first obtaining your Solicitor's advice.

The Contract

The Seller's Solicitor draws up a document known as the Contract. This document gives full details of the Agreement reached between the Seller and the Buyer. It sets out the purchase price, the names and addresses of the Seller and Buyer and describes the property. It also states whether the property is Freehold or Leasehold. The Contract will also include any Special Conditions which have been agreed between the Seller and Buyer, for example, whether the Seller will carry out any repairs to the property before the completion date.

National Conveyancing Protocol (or Transaction)

This is a Scheme recently introduced by the Law Society and which has been adopted by Keith Park Solicitors and a large percentage of Solicitors Firms nationally. The steps involved in the sale and purchase are carried out in accordance with this Protocol, the aim of which is to ensure that the Seller's Solicitors provides the Buyer's Solicitors with as much information as is possible about the property at the outset of the transaction. This helps to narrow the time gap between the agreement on the sale or purchase and the actual exchange of Contracts. Unless you write to the contrary we shall assume that you have no objection to us using this "Transaction".

Leasehold Property

This arises when a property is let by the owner of the Freehold to the owner of the property for a period of years usually 999 years. The Lease will be a long and fairly complex document. The important Clauses contained in Leases usually include those relating to the term of years, the Ground Rent and the Lessee's Covenants which are restrictions on use and obligations applying to the property.

Joint Ownership

When two or more people buy property they can buy as "Joint Tenants" or "Tenants in Common". Most people who buy property do so as "Joint Tenants", This means that if one co-owner dies his or her share in the property automatically passes to the survivor. The alternative is a Tenancy in Common which is more appropriate for co-owners who have no personal relationship. If a Tenant in Common dies then that person's share does not pass automatically to the survivor but forms part of the Estate of the deceased person and passes under their Will.

A Tenancy in Common may also be required if the Buyers are putting in unequal deposits and the person putting in the larger amount wishes to ensure that he or she retains a proportionate part of his or her share in the property when it is sold. If an unmarried couple are purchasing a property they may wish to instruct us to prepare a Cohabitation Agreement/Trust Deed, which can include details of their intentions should they split up and the property is sold.

Property Information

When instructions are received from you to act on your sale, a Questionnaire will be forwarded for you to complete. This contains questions relating to your property for example, enquiries such as to the ownership of the boundary fences, disputes with your neighbours, availability of Guarantees etc. This information is then supplied to the Buyer's Solicitors when the draft Contract is sent out. It is vital that you read the front page of the Questionnaire before completing your replies and if you have any Guarantees, Reports, Planning Permission etc in your possession you should forward such to our office when returning the Questionnaire.

Fixtures, Fittings & Contents

If you are selling, we will send you a Schedule for your completion and return with the Property Information Questionnaire. In the "included" section you should list all items which you have agreed with the Buyers are included in the agreed sale price, Anything which you are selling as an extra sum should be listed separately. Be particularly careful also in listing those items which you wish to take with you to your new home. The Schedule will form part of the Contract and you will not be able to change your mind about what is included or excluded after Exchange of Contracts without the Buyer's consent or possibly being required to compensate the Buyer.

Local Search

This is a standard form of enquiries made with the Local Authority in which the property is situated, The Search will disclose, amongst other things, whether there are any relevant Planning Permissions or Improvement Grants and whether any road fronting the property is maintained at the cost of the Highway Authority or is privately maintained It is important that you realise the limitations on the results of the search. The search will primarily only be against the property you are acquiring, Whilst some matters. e.g. possible road developments within 200 metres of the property are covered, no planning information that does not specifically relate to the property you are acquiring will be revealed. If you are concerned about possible development in the surrounding area, you should contact the local Planning Authority direct. If you have any further queries about what is and is not covered by the search, please let us know.

Since 1 st April 2000, Local Authorities are required to prepare a definite list of sites within their area where past uses have led to contamination, The Local Authority search specifically asks the Local Authority whether the site does have some history of use which could lead to contamination. As the Local Authority's obligation to compile a register has only just arisen, it is unlikely that any entries on the Local Authority search would appear against the property you are purchasing. This does not mean that the site is not contaminated, simply that the Local Authority has not yet investigated the position, If, when you come to sell the property, it does appear on the Local Authority's register then you may find it difficult, if not impossible, to sell your property. Fortunately, it is possible to carry out an environmental search which would highlight the history of the site of your property and details whether or not any potential sources of contamination exist within a 250 metre radius. At the moment it is not compulsory to carry out such a search but it is likely that the lending institutions will soon insist that environmental searches are carried out before they will accept a property as a suitable security. We would advise you strongly to carry out the environmental search at this stage and ask you to contact us should you wish a search to be carried out.

Mining Search

This is an enquiry with the Coal Authority to ascertain the position with regard to mining (whether past, present or future) under the property the subject of the transaction and whether any recent claims for subsidence damage have been submitted. It will also reveal whether there are any disused mine shafts near to the property. If a Building Society or Bank is providing a Mortgage for the Buyer we will almost Invariably be required by the Building Society or Bank to obtain the results of a Mining Search if the property is thought to be within a Coal Mining area. If anything of an adverse nature is revealed, for example a disused mine shaft adjacent to the property, we will send a copy of the result of the Search to the Building Society or Bank who would no doubt refer the matter to its Valuer or Surveyor. Depending on the comments of the Valuer or Surveyor, the Mortgage Application could be turned down or if the Mortgage Offer has already been Issued the Offer could be withdrawn. The presence of coal workings within close proximity of the property may also affect future saleability.

Water Search

The Law Society recommends that a drainage and water search (or CON29DW) is undertaken as part of every property purchase. The search helps to avoid costly mistakes relating to drainage and water assets and owner liability issues under and around the property. The search will be of interest to clients who are purchasing a property with the intention of developing or extending it in the future. Depending upon the location of water pipelines or sewers, such developments can be refused If the property is situated too close to these assets.

Environmental Search - Optional

An Environmental Search provides essential site history and other environmental information for properties in mainland Britain. The Report will help any homebuyer to make an informed decision about purchasing a particular property and whether it will provide a suitable environment and investment for the family. The Search is designed to satisfy the concerns raised by the Law Society and the Search provides a property specific map showing site history information to enable you to pinpoint potentially contaminative historical land uses. Environmental Data is an essential part of Residential conveyancing and provides a comprehensive site history of Information for all 0f mainland Britain and the location of potential risks in relation to a property and potential landfills and other factors affecting the actual site where the property is situated. We would strongly advise that you have an environmental report carried out prior to exchange of contracts taking place as tile implications of contamination being found in the future and an environmental notice be served upon your remedial/clean up works can be costly to rectify. Should you wish us to carry out an environmental report on your behalf please instruct us immediately and we shall advise you of the cost.

Deposit

On the purchase of a property it is normal to pay a deposit when Contracts are exchanged. It is traditional for the deposit to equal 10% of the purchase price (less any deposit that you may have paid to the seller's Estate Agents). In certain circumstances, for example where a sale is also involved or a 95% Mortgage has been Obtained, it is possible that the Seller may agree to accept a reduced deposit. A Buyer does however, remain liable to make the deposit up to 10% in the event of the Buyer failing to complete the transaction after Contracts have been exchanged and as a result of such actions the deposit being forfeit t0 the Seller. We will also require documentary evidence as to the source and origin of the funds to be utilised for the purchase where you are providing in excess of 10% of the purchase price.

Exchange of Contracts

Once satisfactory Searches and information have been received and when the financial arrangements, such as the obtaining of a Mortgage have been concluded, the Contracts, which each party will already have been asked to sign, are then exchanged and the deposit paid. At this point the deal becomes binding and both parties are committed to the transaction. If the Buyer backs out after the exchange of Contracts then the deposit is forfeit and action may be taken by the Seller for Breach of Contract. If the Seller refused to complete, the Buyer may take action for Breach of Contract.

After exchange of Contracts you can make the necessary arrangements for your removals and contact the appropriate Service Boards to have your meter read on the completion date. If you have a telephone and are moving locally you may wish to contact British Telecom or Telewest Communications to arrange for the transfer of the number to the new address. It is not advisable to make any of these arrangements until after Contracts are exchanged, unless the completion date comes very shortly after the exchange date.

Mortgage

Your sellers are not under a duty to disclose any physical defects in the property to you and you should therefore arrange to carry out your own survey of the property. We would recommend that you do not simply rely on your mortgage company's valuation because although this may be expressed to be a survey it is, in fact, merely a valuation for the benefit of your mortgage company only. If any works are required to the property as a result of an adverse survey, we would advise that you speak to your lender and obtain estimates as soon as possible via the estate agents. It will be your responsibility to satisfy yourself that the works have been carried out and acceptable to your lender prior to completion. If you confirm to us that the work has been done we will be happy to arrange a re-inspection, if necessary, but we regret that we are unable to deal with contractors directly.

In most cases, this firm will also be instructed to act for your Lender and we must comply with their instructions which will accompany your mortgage offer. We will report to the Lender on the property and on any other material matter affecting the loan. (If there is any conflict, we would not be able to act for both you and the Lender).

Upon sale if you have a fixed rate mortgage or have received a discounted mortgage we would advise that you contact your lender to see if any penalties will be incurred should you redeem your mortgage before a certain date. It is your responsibility to ensure that the early penalty/portability conditions are adhered to.

Surveys

When a Mortgage is being obtained the Bank, Suilding Society or other such Institution will have carried out at your expense a Mortgage Valuation. It is also wise for a more comprehensive Survey to be arranged, either a House Buyer's Report or a full Structural Survey.

It is important to note the Lender's Valuation Report is for the Lender and is only required by the Lender for confirmation that the property is adequate security for the Loan. Thus a not very detailed report would be carried out if the Buyer was paying £100,000.oo but the Loan was only for £15,000.00. In addition, as the Lender's Valuer does not have a Contract with the Buyer, following recent cases, it would be difficult for the Buyer to successfully sue the Lender's Valuer should the Lender's Valuer have been negligent in preparing the report.

For an additional fee it may be possible to arrange for the Lender's Valuer to carry out a more detailed Survey and Report at the same time as the Mortgage Valuation. A "House Buyer's Report and Valuation" is a concise and economical report on the condition of the property and includes a Valuation. The Surveyor will inspect the main structure including roof space, if accessible, and drainage. A "Full Structural Survey" is particularly useful for old or large properties.

The Surveyor will report on everything that is visible, the outside of the roof will be examined and a sample of floorboard will be taken up where practicable. The Survey will cover the structure of the building, outbuildings, nearby trees that may be the cause of damage and the services and drainage. In either case the Surveys may suggest that there should be further tests, for example if wet or dry rot is suspected or a defective damp course. We can put you in touch with an independent Surveyor or ask your Lender's Surveyor to carry out a further Survey on your behalf. We can also put you in touch with Specialist Firms providing other necessary reports.

You must always rely on your own and more importantly your Expert's Report and inspection of any property which you are considering purchasing. If there are any problems they must be discovered before exchange of Contracts so that you are in a good position to re-negotiate the terms of the transaction or, if necessary, to withdraw. Nothing can be done about any defect which you discover after the exchange of contracts as the seller is under no legal obligation to compensate you. For these reasons we strongly recommend that you consider having at least a House Buyers Valuation.

Buildings Insurance

Once Contracts are exchanged the property becomes the Buyer's Insurance risk. If a Mortgage is involved the Lender will make it a condition  of the Loan that the property is insured and will usually offer to arrange the cover. The buyer will of course be responsible for the payment of the premium which may be unnecessarily expensive if it is added to Mortgage and attracts the payment of interest. In the case of a cash transaction it is imperative that the insurance be arranged to take effect immediately after Contracts are exchanged. We will ask that you provide us with details of your policy before exchange of contracts can take place.

Contents Insurance

If you are buying a property with the assistance of a Mortgage, the insurance, which will be arranged by the Lender, usually covers only the bricks and mortar of the property. It is essential that you, manage to cover your contents, Basic Contents Insurance covers the contents of your home if they are stolen or damaged by natural disaster over which you have no control under a basic policy you can claim only the second-hand value of the goods, Some Policies provide new for old with accidental damage and all risks cover. These are more expensive but will cover the cost of replacing the lost or damaged items at today's prices, you must however, ensure that the value of your Contents Insurance covers the replacement cost. If you are under insured then in the event of a claim the Insurance Company will apply what is known as "averaging" and will pay only a proportion of the claim. For example, if the Insurance Company consider that you have only valued your content at half of the value or replacement costs, then they will pay only half the claim meaning effectively you will receive only a quarter of the value of replacement cost. Again, you should contact your Financial Advisor for full advice on all aspects of Contents Insurance.

A Buyer should also be careful when purchasing a Leasehold flat. If the Landlord is responsible for insuring the building it may not be the Landlord's responsibility for Insuring the interior surfaces of the walls, floor and ceiling to the flat. In this case the Buyer should check whether these can be included on his Contents Policy.

Final Formalities

On exchange of Contracts a completion date is fixed, this is usually in between two and four weeks after Contracts are exchanged but is a date to be agreed between all parties involved. The buyer and the Seller will be asked to sign the final documents prior to the completion date so that they are available for handing over on the completion date, the Purchase Deed is normally called a "Transfer". If the purchase transaction is being financed by a Building Society or similar organisation we will normally be instructed to prepare the Mortgage Deed and ensure that they are signed and that the Loan monies are available on completion. The Signed Mortgage Deeds must be in our possession before the Loan monies can be used for the purchase of the new house.

Completion

The completion date is the day on which the Buyer's Solicitors hands over to the Seller's Solicitor the purchase monies less the deposit paid on the exchange of Contracts and in return receives the Title Deeds. The Buyer is then able to move into the new property. A Seller should not part with the keys to the property until completion has taken place and his solicitor has received the balance of the purchase money. For convenience, it is often best for the Seller to leave the keys with his/her Estate Agent (if any) and for the Estate Agent to be instructed not to release the keys until the Seller's Solicitor advises him that completion has taken place.

Post Completion

There are further formalities requiring attention after completion.

In the case of a purchase it is necessary to produce the Purchase Deed to the Inland Revenue to pay any Stamp Duty which is due. Stamp Duty is paid by the Buyer and if you are a Buyer it will be shown in the Completion Statement which we prepare and send to you following exchange of Contracts. After the Deeds have been stamped an application to the Land Registry is made to register the change of ownership. This may take several weeks for the Land Registry to sort out. Registration attracts the payment of a fee which again is calculated In accordance with the purchase price This fee is also paid by the Buyer and again, if you are the Buyer, it will be shown in the Completion Statement.

Eventually the Deeds are returned to us and in the event of there being a mortgage, are passed onto the lender to be retained until such time as the Mortgage has been repaid. In the case of a sale any outstanding Mortgages must be discharged out of the sale proceeds before we account to you for the balance. Some mortgage lenders no longer require the title deeds to be deposited with them following dematerialisation. You may wish us to hold your deeds in our storage facility for safe keeping or alternatively we can forward the documents to you. It is advisable that the deeds are held by us in case the documents are lost or destroyed Whilst in your possession as they will need to be produced to your solicitor in the event of a future sale.

You may wish to surrender an existing Life Insurance Policy upon completion of a sale, before doing so however, we would recommend that you speak to your Financial Advisor regarding the advisability of surrendering such Policy. It may be in your long term interest not to do so.

Estate Agents Account

In the event of a sale it is normal for the Estate Agent to forward to us his account for payment and this is usually paid by us out of the proceeds of the sale unless we receive your written instructions not to do so. Some estate agents contracts contain a clause regarding an early payment discounted commission rate. Please ensure that you read your contract carefully and should it contain a clause to this effect you must advise us immediately and provide us with a copy of the contract. We cannot accept any liability for late payment of your account if we are not made aware of such clause.

Confidentiality

The information which we hold in connection with any business undertaken on your behalf is confidential and cannot be communicated by ourselves to any party without your consent. There are times when we need to pass on information in your best interests, for example in the case of a purchase the Selling Agent may wish to know the progress of the transaction and whether your Mortgage has been confirmed. If such information is not given the Agent may consider advising the Seller to re-market the property.

Tax Implications

Whilst we will be dealing with the legal aspects of this transaction to ensure that the legal estate is transferred validly, we are not in a position to advise you on any possible tax consequences of the transaction. If you are concerned that there may be such consequences, we would strongly advise you to seek the assistance of an accountant or contact us and we can recommend you to a Financial Advisor whose services you may or may not wish to use.

Our Recommendation

Keith Park Solicitors have handled thousands of property transactions over the years. Their fees have been reduced in line with the latest online prices so you can rest assured you will get a professional service with value for money.

Click here to visit their website: http://www.kpsolicitors.com

Liverpool Solicitors

Could You Improve Your Insurance Sales Watching a Guy Selling Cookware at a County Fair?

Even though there are big differences between selling products and selling a service when someone does a superior job of selling there are lessons to be learned. When you watch a top producer selling anything there are tremendous lessons to be learned from the obvious to the subtle nuances.

At the end of each summer there's a local county fair that's one of the better ones in the nation. This year my husband and I went, and while there my husband purchased a collection of cookware for me that was so obscenely expensive that many people have purchased cars for less. So, how did this guy selling cookware sell my husband on such an expensive totally impulsive and unnecessary sale? It wasn't like I didn't already have cookware, it wasn't like we left for the fair that morning thinking we needed to find cookware, and it certainly wasn't like either of us even knew cookware could cost that much money. Read and learn.

It had been a long morning at the fair when I noticed this guy had some kind of cooking demonstration going on that involved chairs for the audience, so we happened to sit down in his audience. One thing you noticed immediately beyond the fact that the guy was just likable was that he wasn't just demonstrating his cookware he was actually teaching people about cooking, nutrition, and healthy eating. And he was doing it in a way that had the audience spell bound. This guy had a group of about 50 people completely focused on him and what he was saying. Why? All ears and eyes were trained on him because he was providing added value beyond what they expected.

He disqualified non-buyers from the start, but he did so in a way that wasn't insulting. He told the audience often, and with no shame that his cookware was very expensive. All throughout his demonstration he was preparing the future buyers and the non-buyers alike.

He focused on what he knew the people in his audience wanted. His focus was on fast, easy, and healthy cooking made simple in both preparation and cleanup. He had one of the future buyers sold within about 10 minutes of the start of his sales demonstration. In fact, this guy was so enthusiastic I thought he was a plant until I verified for myself that he wasn't.

He focused on the real decision maker. Few women would spend that kind of money on cookware without involving the husband, and this guy focused on selling the cookware to the husband and left it to the husband to close the wife. Nearly everyone in his audience was forty plus, and it's at that point that most people start to have a reality check about their health. My husband is extremely health conscious, and evidently so were a lot of other people in the audience. Now of the fifty or so people in the audience about a dozen were kids. Many were couples, so there were probably about a dozen real decisions makers at most. Yet at the end of his demonstration the cookware guy had sold three very expensive cookware collections. Perhaps you can take a lesson from the cookware guy to improve your career sales training, and it may not hurt to use the free sales skill analysis below to do a spot check to see how your skills measure up.

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Could you sell more with a few Time Management Tips?

How This Mistake Can End Your Insurance Selling Career

All insurance prospecting mailing lists are not the same. A plain vanilla prospect mailing list may resemble a residential state directory or even a telephone book. Every insurance representative is currently listed.Each year you pitch the old one into the garbage. The old one in the garbage makes way for its almost twin replacement. Maybe the new replacement list also belongs in the trash. This kind of directory used as a prospect list is often the kiss of death.

Are you tempted to use this a free directory or cheap list for your insurance prospecting? After all there are lots of phones. Of the phones listed, 55% are currently also listed on the National, State, or Direct Marketing Association DO NOT CALL LIST. This means people get angered when pestered with your intruding sales message. Plus if they report you, your fine could exceed all the gas costs your car will incur for the next 18 months.As a salesperson your goal is to convince new prospects to favorably respond to your offer. Lots and lots of responsive it not a dream but a requirement..

Direct marketing experts agree that the single most important element to insurance success is the list you end up using to prospect from. The list is such an important ingredient in insurance prospecting that it holds a relative ratio of importance of 60%. A properly written sales piece holds up to 30% of the total value. 10% remains for the looks and creativity, plus timing in presenting your offer. The list is also the part that is least well understood by direct marketers and so its importance is commonly often over-looked or way under rated.

Compare the value of a target compiled mailing list. This type of mailing list is directed solely at a certain group of people sharing similar attributes. A list compiler uses a wide spectrum of sources to produce a targeted mailing list containing multiple similarities. The people on the list are checked for specialized work abilities, plus geographic, demographic, and census data. With your "qualified" list your are rewarded with benefits in return. The benefits are that the quantity of prospects increases, and since better prospects are easier to present your offer to, your total sales, and sales ratio increase.

Some list compilers can also supply you lists of responders. Prospects who have been proven to respond more than once to accepting offers presented to them. When you combine the responder aspect with targeting, you have a dynamite prospect list.

The absolute shinning crown jewel is finding responders who previous were sold a product similar to yours.

Targeting and identifying the right group of recipients is what makes targeted mailing lists work. A targeted mailing list is more cost-effective than other ways of advertising. By contacting a specific group of people directly, an insurance representative may avoid the cost of sending the ad to many people who will ignore it. It also helps direct marketers tailor their message to a specific group of people, making the ad more relevant and perhaps more likely to be read. A properly written sales piece, with the right list, often returns 10 dollars for every dollar invested.

Direct mail is the recognized as being the most powerful advertising medium available. Still more powerful than the internet and email. Put the correct direct mail sales piece in front of the right prospects and you will get results. That is if you are willing to spend an extra $100 to make $1,000 in additional profits.

If you think you are any good, spending a little the right way will quickly prove it. Otherwise, like so many agents, so will make the mistake that will end you insurance selling career.

You have heard the saying that the more you know, the more you realize you don't know. Don Yerke likes to concentrate on what you don't already know or what no one else dares to print. Tell it like it is, and more people listen. The website address is [http://www.agentsinsurancemarketing.com] You can right away receive a copy of the great book by Napoleon Hill, "Think and Grow Rich".

TV Infomercial Insurance Selling System

Welcome to your competition's worst nightmare! Imagine an insurance selling system so penetrating it will:

1. Separate you from the crowd as the undisputed expert in your field

2. Pre-sell your prospects, making the appointment just a matter of finishing up the paperwork

3. Generate stacks of warm leads from your target neighborhood and demographic

4. Cost you less than direct mail or telemarketing and present you as a true professional

5. Make you ask yourself, "Why didn't I do this in the first place?"

Picture yourself appearing in your own custom scripted, half-hour Cable TV Infomercial, the undisputed expert in your field, speaking directly to your ideal prospect in a soft pre-sell interview format. Your viewing audience is selected with the accuracy of a surgeon's hand by the cable channel airing your show. For less money than you thought possible, you position yourself as the expert in your field, you generate truckloads of warm, pre-sold leads, and you send your competition running for therapy.

Once your TV Infomercial Insurance Selling System leaves our production studio, you air it as often and as many times as you like. You target your show to attract health, life, annuity, home, auto, any kind of insurance prospect. The national average cost for prime time viewing (7:00 PM through 11:00 PM) on local cable channels in most markets is an unbelievably low $150 to $200 per half-hour program. This is less cost-per-thousand-exposure than you spend annoying people with junk mail or telemarketing.

A Bizarre Secret

Let me tell you the most bizarre secret I've learned in my 40 years of sales. I'm just going to toss this out to you, and when you hear it you'll think, "Oh, I already know that. That's just too simple to work." Most people dismiss it as being too simple. Maybe that's why most insurance agents (90%) fail within eighteen months.

Here's my secret: People buy things from people they (a) like, and (b) admire. What's more, people can't help but like the people they admire most. In fact, the more they admire you the more they like you and want to buy from you. Therefore, if you have an insurance selling system that positions you as the "expert" in your field, people will be irresistibly drawn to you and want to do business with you.

Remember the first closing technique you learned in "How To Sell Insurance 101" about assuming the sale? Just being the expert is a ridiculously easy way to not only assume the sale but compel your prospects to assume the sale, too. The subconscious dialog in your prospect's mind is, "I naturally assume you're going to let me buy this policy from you... aren't you?"

You'll be flabbergasted to know that you can become the "expert" in your field much easier than you think. Also, there are probably few, if any, insurance agents promoting themselves as expert in your local market, and fewer than few with their own TV Infomercial Insurance Selling System. This prime location "real estate" in your hometown cable channel is probably yours for the taking.

When you appear on TV you set yourself apart from all other insurance agents. Your image is larger than life. After all, only experts are good enough to appear on TV. Your image skyrockets because you rise above the dog-pile of telemarketers and junk mailers fighting for leads. Your prospects come to you, ready to hear more, willing to take your advice, able to do business. You're the expert. You're on TV!

How It Works

You come to our production studio in Tucson, Arizona, where we do all taping, editing, pre- and post-production work. Our job is to make you a Star. We use only top professionals from camera operators to makeup artists. I've been in the insurance business for decades and understand the problems and frustrations producers go through in the field. This is no ordinary insurance selling system. We go to great lengths to separate you from the pack of agents your prospects typically send packing.

The 30-minute interview format is proven to be the most credible, convincing and friendly TV show format. You have time to delve into concepts in a way your future clients can really understand. You reveal your personality in an audio-visual dimension as an invited guest in their living room. You're one of the family. You show how you are different, better, more knowledgeable, more comfortable and caring than other agents.

We begin with a pre-production interview session to identify and rehearse 10 to 20 key questions and answers. When you are ready, we roll cameras with me interviewing you in an easy, conversational dialog of the same familiar topics. We edit out awkward pauses, tongue twisters or mistakes, making you a polished professional, expert guest. If you need an insurance selling system that targets a certain demographic or client type, i.e. retired Seniors, high-risk drivers, new homeowners, small business owners, we will flavor the show to cover topics of interest to them.

In the editing room we pepper your show with appropriate testimonials, which may be stock footage or reenactments of your actual customers. We repeat "grabbers" often throughout the show to catch channel changers who may be surfing for anything of interest to watch. We display your telephone number frequently and suggest you offer a giveaway (we have Free Special Reports on several interesting subjects) "to the first 25 callers."

You're not pitching The Clapper here. Your TV Infomercial Insurance Selling System and everything about it is tastefully produced, professionally orchestrated and smacks of the high quality of an Oprah, Dr. Phil, or Larry King Live show.

More Bang For Your Marketing Buck

Feel free to use our in-house media buying services. There is a long learning curve to the cable TV industry. Knowing the ins and outs can make a world of difference to your marketing campaign. Most insurance agents are happy to leave this busywork to professional media buyers who are intimately familiar with cable networks. We are happy to handle this for you at no cost to you. Our insurance selling system includes service after the sale. We will negotiate time slots, best rates, market penetration - everything you need to get the most out of your marketing dollars.

Another way to get more bang for your marketing buck is to upload your 30-minute TV Infomercial Insurance Selling System onto your website. Visitors to your website can get to know you in a way that shows you as credible and professional, yet an agent who is personable and approachable. You may also want to order our Special 200 Mini CD Package. We dub your show onto mini CDs with custom labels for you to use as client leave-behinds, referral generators, or the ultimate "drop-dead cool" business card.

The national average cost for a half-hour prime-time cable TV program is between $150 and $200, with larger markets more, smaller markets less. You may want to begin running your show five nights per week to see how it pulls, then adjust the scheduling as your need for leads dictates. The cost for us to produce your custom half-hour TV Infomercial Insurance Selling System is less than you might imagine. Most people guess the price to be $20,000 to $25,000. It should be, but it's not. Please contact me by clicking on my bio below.

http://www.Free-Insurance-Leads.com Author and developer of the Safe Money Seminar, a financial planning seminar for Seniors, Gary Le Mon serves as guest speaker on behalf of agents and agencies nationwide. He is coach, mentor and motivator to over 1,000 general agents in his insurance marketing organization, InsuranStar Marketing. See also http://www.Free-Insurance-Leads.com/free-annuity-leads.html

The Untold Truth About Selling E-Books on Amazon

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