Deb Frank -- NMLS #92247 Vice President, Mortgage Business Development Metro Credit Union - #198574
Tuesday, October 27, 2015
Tuesday, June 30, 2015
Is Social Medial Effective in Real Estate Marketing?
Any doubts regarding the effectiveness of social media for generating new listings and buyers were dispelled long ago—and a recent poll from The News Funnel found that 98 percent of agents have adopted social media in their marketing mix.
With the explosion of social media comes a host of complimentary social media automation tools.
While these tools are great timesavers, you won't want to lose sight of the real-time social aspect of social media. In fact, a balanced approach of automation and engagement is the best strategy.
So how do you take advantage of technology and engage, real-time?
STEP 1: Automate a few of your posts per week with applications like Hootsuite that can free up time for more selling and less marketing. Just plan and write your posts, then schedule them for the coming week. Your effort on Monday morning could pay off for the entire week.
STEP 2: Like or follow and comment on those posts, as well as post one or two "on the fly," perhaps in response to others' live posts each week. Continue to engage with comments from any contacts or friends who follow you.
Remember that social media is supposed to be social! Automate posts for marketing efforts, and then add a human touch with your real-time engagement.
With the explosion of social media comes a host of complimentary social media automation tools.
While these tools are great timesavers, you won't want to lose sight of the real-time social aspect of social media. In fact, a balanced approach of automation and engagement is the best strategy.
So how do you take advantage of technology and engage, real-time?
STEP 1: Automate a few of your posts per week with applications like Hootsuite that can free up time for more selling and less marketing. Just plan and write your posts, then schedule them for the coming week. Your effort on Monday morning could pay off for the entire week.
STEP 2: Like or follow and comment on those posts, as well as post one or two "on the fly," perhaps in response to others' live posts each week. Continue to engage with comments from any contacts or friends who follow you.
Remember that social media is supposed to be social! Automate posts for marketing efforts, and then add a human touch with your real-time engagement.
Protecting Your Credit During Divorce
By Deb Frank, VP Mortgage Sales
Metro Credit Union
Metro Credit Union
Unfortunately, for many, the experience is the exact opposite. Unfulfilled promises to pay bills, the maxing out of credit cards, and a total breakdown in communication frequently lead to the annihilation of at least one spouse’s credit. Depending upon how finances are structured, it can sometimes have a negative impact on both parties.
The good news is it doesn’t have to be this way. By taking a
proactive approach and creating a specific plan to maintain one’s credit
status, anyone can ensure that “starting over” doesn’t have to mean rebuilding
credit.
accounts are car loans and home mortgages. The second type is an unsecured account. These accounts are typically credit cards and charge cards, and they have no assets attached.
In the case of a mortgage, enlisting the aid of a qualified
mortgage professional is extremely important. This individual will review your
existing home loan along with the equity you’ve built up and help you to
determine the best course of action.
When it comes to unsecured accounts, you will need to act quickly.
It’s important to know which spouse (if not both) is vested. If you are merely
a signer on the account, have your name removed immediately. If you are the
vested party and your spouse is a signer, have their name removed. Any joint
accounts (both parties vested) that do not carry a balance should be closed
immediately.
Ensuring payment on a debt which carries your name is paramount
when it comes to preserving credit. Keep in mind that one 30-day late payment
can drop your credit score as much as 75 points. It is also important to know
that a divorce decree does not override any agreement you have with a creditor.
So, regardless of which spouse is ordered to pay by the judge, not doing so
will affect the credit score of both parties. The message here is to not only
eliminate all joint accounts, but to do it quickly.
Divorce is difficult for everyone involved. By taking these steps,
you can ensure that your credit remains intact.
Deb Frank is affiliated with Metro Credit Union, a non-profit cooperative institution owned by and operated for the people who use and benefit from its products and services. NMLS #198524. If you would like to obtain a free Consumer Credit Scoring Booklet, please contact Deb Frank at dfrank@metrocu.org.
Thursday, June 18, 2015
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