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Archive for October, 2008

10 Valuable Tips For Ezine Publishers

1. Write your own articles.

Your articles will give you an effective way to build up your status as an expert by sharing your tips and advice with your readers.

Your articles will also help you to effectively promote your business through your resource box at the end of your articles.

Use your articles to get more subscribers by submitting them to article directories and announcement lists with a resource box that promotes your ezine.

2. Recommend the products of affiliate programs you’ve joined to your subscriber base.

If you’ve earned the trust of your subscribers your recommendations will help you to successfully increase your commissions.

Only recommend products you can honestly vouch for and that you believe can meet your subscribers’ needs.

3. Swap ads with other ezine publishers.

You could swap an ad for your ezine or for your business with another ezine publisher in exchange for publishing her ad in your ezine.

Try to swap ads for multiple issues and track your ads so that you’ll know which ezines are the best ones to continue swapping ads with.

4. Swap “thank you” page ads with other ezine publishers.

Promote other ezines on the page your new subscribers are taken to after filling out a form or subscription box to join your ezine in exchange for those publishers promoting your ezine on their “thank you” pages.

In addition to swapping ads on this page, you can also swap recommendations with other ezine publishers to get even more powerful promotion from your “thank you” page swaps.

5. Publish testimonials.

Post testimonials for your ezine on your site as well as testimonials for your products within your ezine.

6. Provide a sample issue or an archive of your past issues on your site.

This will help you to increase your subscriptions by showing your visitors what your ezine has to offer them.

7. Encourage reader participation.

You could run contests, have your readers send in their tips, or have an ask the editor section where you answer questions sent in from your subscribers.

You could also ask your readers to send in their articles for publication in your ezine.

8. Occasionally send out a special solo mailing to your subscribers that tells them about your sale, discount, or subscriber only special.

9. Promote your ezine in your signature file. Use your signature file in your emails to your visitors and clients that email you with their questions and also in your posts to moderated discussion lists and forums.

10. Promote your ezine on every page of your site.

You never know what page your visitors might enter your site from. Promoting your ezine on every page ensures that your visitors will know about your ezine and that they’ll be able to easily subscribe to your publication.

Newsletter Names - Creative Ideas for Newsletter Titles

Your newsletter name has a big effect on your readership, so it’s essential you choose a good name right from the start. Here are some ideas to help you come up with creative newsletter names…

#1. Your Niche

You can include the name of your niche in your newsletter title to explain what the content is about. This is one of the most common naming techniques people use. Here are some sample newsletter names…

* Affiliate Marketing Facts * Search Engine Optimization Advice * Email Marketing Insider Tips * Easy Gardening Guide * Free Golf Tips

#2. Your Target Market

Your newsletter targets a certain audience, right? How about that you use their name in your newsletter title to attract their attention? This will tell them you offer the information that they want. Here are some good newsletter names…

* Affiliate Marketers Weekly * Work at Home Moms * Pet Lovers Tips & Trends

#3. Catchy Newsletter Names

Depending on your target market, this type of name can work for you. The benefit to these kind of names is that they’re catchy and easy to remember. They’re just creative names out of no where.

However, their weakness is that your audience can’t understand what your newsletter is about. So you need to provide them with a short description everywhere you introduce your newsletter. Here are some creative newsletter names…

* The Great Gordino * Scootey Lindo * Zapping Tides * Blue Velvet Times

Success With Newsletters

Newsletters really DO work! With just a small amount of effort on your part they will work for you, even if your marketing budget a small.

Customer orientated newsletters are a wonderful way to market your business when on a budget. You can choose to write them yourself or even hire a ghost writer to do the job for you.

One of the most important elements of a newsletter is the title. Not only the main title itself but also the title of each separate news piece. You want something catchy that will peak your customer’s interest… grab their attention.

Stick to the basics. Provide important, relevant and concise information. While it is acceptable to include such content as humor pieces, trivia or even recipes at times, remember the MAIN purpose of this type of newsletter is to SELL your product or service and to INCREASE your customer base.

Newsletters do not have to be long and involved. They do not have to contain a specific number of pages. In fact, many readers prefer a newsletter that can be digested in a matter of a few minutes as opposed to one that is several pages in length. What is important is to provide a regular and informative piece.

In order to make things easier there are many companies that offer low cost newsletter management packages for businesses of all sizes. They are well worth the money when you consider the time you save when utilizing this service. Depending on the size of your newsletter (number of pages) and the number of subscribers that receive your newsletter each month, you can literally save HOURS of work with one of these packages.

Most of these budget newsletter services offer free trial periods, online tutorials and some form of live help, via either a toll-free number or live online chat option. They do their best to offer “more than the next guy” to ensure you will choose their particular service.

One example of such a service is Benchmark Email (http://www.benchmarkemail.com). Packages start from as little as $9.95 per month. They offer a 30-day free trial, unlimited subscriber lists, unlimited email layouts and unlimited campaigns. They also offer image hosting which eliminates the need to place newsletter images on your website.

Submit your newsletter information to various no-cost online newsletter directories and you will most certainly notice an increase in subscriber numbers. NOTE: Chances are you won’t receive hundreds of subscribers overnight, but you will attract readers that probably would not have found you otherwise. Let’s face it, every new subscriber is a potential customer and obtaining new customers is what you are striving for!

To get started, list your newsletter on FreeEzines.net (http://www.free-ezines.net/rmanager/user.php). They do require a link back, but that is easily accomplished and well worth the effort. They have a very high search engine ranking, which translates into the possibility of a large number of new subscribers.

The POWER TO SUCCEED is within you! Go forth and write, you will not be disappointed with the results.

Does Your Business Need a Newsletter?

Have you ever thought about it?

If you don’t have a business newsletter yet, have you ever thought of the importance of having one?

Why is it so vital to one’s healthy business dealings? Let’s explore some important factors even if you do have a newsletter.

If you are not yet using a newsletter as a part of your marketing efforts, then you are missing out on new potential and already existing customers becoming valuable long-term buyers.

Communicating with your subscribers as well as customers is vital for their continued involvement. It’s hard nowadays for someone to remain interested in your business if they never or rarely hear about it. Hence, a newsletter is the best way to keep them involved in your business and show them your appreciation for their subscription.

When you have a customer buy from you, but no newsletter to follow up, then you are virtually handing him or her back to your competitors. On the same note, when you have a visitor coming to your website and not capturing his or her name and e-mail address, it’s a lost marketing effort. Of course, if the service was good and the product memorable, they may come back.

But, what if they lose your website address? What if they just forget about you? What if you have a new product that your existing customer may wish to buy and they don’t know about it?

A newsletter will prevent these things from happening. It’s a good way to connect with people, and eventually they will connect with you and your website.

Having your own opt-in newsletter or loading purchased e-mails in your autoresponder. Which is the most effective and less troublesome?

Your own opt-in newsletter is the most effective and the only choice nowadays. When your visitors give you their name and e-mail address, they’re telling you that they agree to receive further e-mails from you. Therefore, if someone forgets that they’ve subscribed and complains that you’ve spammed them, you’ve got a proof that they’ve voluntarily given you their personal info.

But, when you purchase leads and load them into your autoresponder, you don’t know how those e-mails were harvested off the Internet. Those poor people might have opted-in somewhere, but certainly not for your newsletter. You’re a toast if only one person complains that you’ve spammed them.

Also, when people personally opt-in to your newsletter, they will be more acceptable to your further e-mailings as opposed to people who haven’t gotten a clue how they ended up on your list.

What do I write about? - you might be asking yourself.

What’s your business, service or product about? What’s your niche?

That’s the reason why your subscribers gave you their personal info. That’s what they want to hear more about. Your job will be to constantly improve on that subject and deliver information that will be both educational and informative to your subscribers.

My newsletter deals with the Internet marketing industry. My subscribers are expecting information on that subject. Therefore, for each issue I pick a different topic directly related to it, and I write about it. If I don’t have enough knowledge or experience, I improve on it and then deliver the info.

And, you don’t need a long newsletter. A sale alert or announcement of a new service or product can do just as well. Only, don’t over do it and misuse it. You would very quickly lose your integrity.

Subscribe to several competitors’ newsletters and see how they do it. That will definitely give you some ideas. Don’t copy their format, but adapt a format that will be suitable to you.

Keep your newsletter consistent.

It’s amazing the amount of newsletters that thrive online. Because of this, subscribers can forget which ones are legitimate and which are spam. And people often subscribe to multiple newsletters on top of the spam e-mails that they get on a daily basis.

Keep your format consistent at all times so your newsletter becomes visibly familiar. When your subscribers see the subject line of your e-mail, they will know immediately that it’s your newsletter.

Also, indicate that the subscriber requested the information and provide an unsubscribe link in EVERY issue. You must do this if you want to limit complaints or spam reports. And nowadays, you’re obligated by law to provide unsubscribe link and your physical mailing address in each one of your e-mails sent to your subscribers.

How often would you want to send it out?

That depends on various factors. Some businesses contact their subscribers as often as every day, others as infrequently as several times per year. You can do it once per week, twice a month or once a month.

More often, and your subscribers may unsubscribe or routinely delete your messages. Less often, and you’re allowing your competition the chance to win over your potential customers.

What works for you depends a lot on what you are selling, what information you can give to them, how often your subscribers will want to hear from you, etc. But most importantly, your time availability. How soon can you get the newsletter ready?

The newsletter is an excellent integrity builder. It builds you as an expert in the field.

More than 90% of the people will not buy from you the first time they see your ad. They will want to get to know you and see if they can trust you. Only then will they consider buying from you. If you don’t have a newsletter, how else are you going to build the trust with your visitors?

Your newsletter will prove to your subscribers that you or your business is not a “fly by night.” You’re serious in what you’re doing and you mean business. They will begin to trust you and slowly but surely become your valuable long-term subscribers and buyers.

What’s your subscription ratio? With other words, how many people are subscribing to your newsletter every month vs. how many are unsubscribing?

When you see more people unsubscribing from your newsletter in one month than people subscribing, you’re either doing something that they don’t like or you’re not providing quality information.

The way you treat your subscribers will be the same way they treat you. You treat them with respect, they will return same respect back to you. You give them value, they give you value. You take care of them, they take care of you.

You give them crap, ……… boy oh boy. They will give you 10 times more crap back to you. It takes a long time to build the credibility and the trust, but you can lose it all in one simple e-mail.

I saw it with my eyes when one supper-affiliate tried to take advantage of his subscribers by trying to profit from them while delivering sad news. Hundreds of them unsubscribed in one day and many of them sent him nasty e-mails back.

He was a topic of nasty conversations in many forums.

The quality of the content in your newsletter is the other determining factor of the ratio between the people subscribing in one month vs. the people unsubscribing. What is quality, you might ask?

Quality content is useful content. It addresses a need or solves a problem. So, ask yourself what problems or needs your subscribers have, and use that as a starting point for developing quality content.

But, don’t be too constrained. People have a need to laugh, learn, get informed, and so on. For example, typically useful content might: save time or money, entertain, inform or educate.

A good rule of thumb would be to provide the information that will be useful to your subscribers. Only, don’t stop at “good enough.” After you’re done writing your newsletter, read it yourself.

If you get the “WOW!” feeling, your subscribers will too. If you get the “WHATEVER” feeling, guess what? We’re all humans. We all think alike. Your subscribers will see you as “whatever” person too.

How do you balance your content with promotions?

More promotions and less content, your newsletter loses in value. On the other hand, if you, the publisher, don’t benefit too, then you’re just being charitable with your time (by the way, that’s a perfectly valid reason to be publishing).

So, it’s a bit of a riddle - how to produce content that readers are interested in, and at the same time ensure you get a (financial) benefit too. A good guideline is to keep it at around 80% content and 20% promotions.

When a reader finds himself or herself coming close to a purchase decision, who will he or she turn to? He or she will turn to a credible and trustworthy source of relevant advice and information. And that’s you my friend!

Your newsletter deserves time and attention - it is the voice of you and your business and will help you build relationships with your customers (and potential customers) in a way that no other tool can.

Marketing Recruitment News

Blue Skies Careers have with time accumulated splendid reputation targeted at issuing good quality personnel recruitment solutions. Blue Skies ensure all Blue Skies’ clientele can enjoy access to a selection of the most creative marketing candidates at just the touch of a button.

The recruitment consultants are experts for various types of markets including marketing, public relations and sales promotion. Blue Skies Careers reckon the company to be very distinct in comparison to more marketing recruitment companies; the company do ensure that the business incessantly can enjoy a translucent interpretation of exactly what said company is looking for, the recruitment agency are memorable for their experience to inform the clients and also marketing candidates about their unique wants. This rises from around the reason that the business use accomplished recruitment consultants who have worked around the advertising sector, bringing with them know how and experience.

Advertising has become one of the most fashionable job sectors to enter into after further education or every sort of further qualification. Along with a trade such as advertising it could be really awkward to join right away unless you are lucky enough to enjoy the proper contacts. This can be the fact why advertising recruitment agents have become consequently fashionable; their support is necessary to enter the industry and also discover desirable possible positions.

Blue Skies source their candidates both offline and also online via their website. The company web site makes it painless for marketing candidates to find available vacancies and also apply instantly via the website. There have been plentiful key features to the companies approach and these include; Developing a transparent understanding of Blue Skies Careers’ customers wants, Providing in depth reports for all retained assignments, issuing consistent information in and around the recruitment period. Should you be looking for a marketing recruitment agency, then visit the the Blue Skies site. They have dealt with marketing recruitment for quite some time, and so will be able to assist with your needs.

BlueSkiesCareers.co.uk’s knowledge of working along with a variety of the worlds finest businesses and agency networks have with time helped 5 to become a trade leader. Blue Skies Careers recruit for the recognised industry figures and little independent start ups.

How to write compelling autoresponder messages to increase sales.

An autoresponder can send emails but the essence is that those emails get read and acted upon by the recipients. There is less benefit to a business if emails that get sent at the cost of bandwidth, just get deleted because they fail to convey the essential information the receiver needs.

We take a look at the factors that will create a conducive atmosphere for a message in an autoresponder email to be read. I mean the kind of stuff that will make an Eskimo order air conditioners.

-Sequence Let the entire text of the autoresponder email flow like a story. Be sequential. For example, start talking about difficulties people face before you suggest a solution. If you are marketing twin-blade razors for example, you will have to talk about the ineffectiveness of single blade razors first before you talk about the effectiveness of twin models. This way, you are presenting the issue logically to the reader and before he gets to your main message, he understands the limitation of a certain situation and the need to improve it.

-Killer headline According to research, every web visitor takes 5 seconds to decide whether a material is of value to him. Normally, the headline tells it all. If you are unable to attract a reader through your headline in an autoresponder, it will be difficult or almost impossible to convince him later in the body. The headline should be compelling enough for the reader to want to read on. If you are selling lawn mowers to an affluent neighborhood, you may have it wrong if you wrote

Buy cheap lawn mowers and make great savings

The affluent does not need to save. It is the middle and lower class that needs savings most. Top class neighborhoods are rich. It is not cost- effectiveness they want. They want something luxurious, durable or exquisite.

The following headline can serve your business better:

Triple-power, dual-purpose, exquisite, sleek mowers for the busy executive.

-Make the message personal People don’t want to be treated generally or as part of a group. They want individual attention. People will buy products if they are convinced that it had been purposely made for them. They will also effective read your autoresponder message if it is addressed to them personally. It is therefore important to use the second person singular (You) in all cases to emphasis individuality. Who will be happy or convinced to read a message on a personal product that has been addressed to thousands of people?

In this regard. it is advisable to use an autoresponder that has advanced features to incorporate peoples names and other non-sensitive personal details in their messages such as the type featured at http://www.aceresponse.com/

-Introduce the message well In the opening, tell the reader what the autoresponder mail is about and why he is receiving it. Many people forget they ever subscribed to an offer. If you do not make this point, the letter may be treated as spam and discarded. So at this point, it is essential that you introduce the subject. If it is a product, begin creating interest about the features, advantages compared to others, etc. Never mention price here because a product must sell for what its worth. If the reader has not formed an opinion about the real value of the product, how do you expect him to be in the mood to pay for it?

Move the reader to action After all the convincing, you need the reader to take action on your autoresponder email. At the end of the message, help the reader to buy the product or request for the service. At this point you may talk about the price, the security of the website and other relevant points. The essence is that you are making it easy for him to make a purchase.

An autoresponder can boost your sale with the appropriate message. If you craft the message well, sales will never stop coming in. We have given you the basics of every auto autoresponder message. Remember, good messages need to go with a good autoresponder for this we recommend http://www.aceresponse.com/

Christmas Craft Ideas: Christmas Candles

Homemade Christmas crafts and homemade decorations make great Christmas gifts and are also great to decorate with too. This easy and fun craft idea is a great one for children to do because it’s very simple and safe to make.

Before starting to decorate, lay out a layer of newspapers or an old sheet or tablecloth in the craft area for easy cleaning later on. Pick up craft glue and cheap paint brushes in order to spread the glue onto the candles. Glitter glue is a good option one to use. It was add sparkle to the candles. Be sure to pick up decorative dishes or candle holders in order to prominently display the children’s crafts. The children can also craft the dishes and candle holders, using the same supplies.

Steps:

  • Use pillar candles in off- white or white. For a decorative mood, pick up candles in different heights.
  • Have the kids glue trinkets onto the candles. The trinkets can be:
  • peppermint candies
  • faux poinsettia flowers
  • mini pine cones
  • red and green ribbons
  • mini candy canes
  • holly leaves
  • Christmas stickers
  • glitter
  • turtle doves
  • stars
  • Once the glue and glitter glue have dried, you can place the candles throughout the home or carefully wrap the candles up as gifts.
  • These candles will contain flammable decorations, so they should be for decoration only and shall not be lit. Snip off the wick completely or remove the entire wick to discourage burning.

Hidden Secret to Increase Adsense Revenue - Your Newsletter

So many web site owners miss the easiest and best opportunity to increase sales. In a rush to put up as many sites as possible in the vain hopes of generating Adsense revenue, they miss the opportunity to increase sales by not having a newsletter.

Far too many sites are being created with poor content, leaving visitors to continue wandering from site to site looking for good, solid, knowledgeable content.

If you have good content, you likely have some expertise that your visitors will want know more about. Why not set up a newsletter so you can share your expertise with others, and increase your adsense revenue at the same time?

If you are worried that you’re not a writer, you’re not alone. Just think of it as writing a quick note to a friend. You are sharing some information with a friend of yours. Your subscribers are like your friends.

Its key to now provide your “friends” with some valuable content. Since you are likely passionate about your field of expertise, your enthusiasm will come out, and your subscribers will be motivated. As an expert in your field, you can provide your newsletter subscribers with information that they can use. How do you increase your adsense revenue with this opportunity?

Give them a teaser! By giving them a paragraph or two, and then leading them to your web site, you can get them interested in more information, which your advertisers may be able to provide for them. If they are motivated by your valuable content, they will click on the ads, thus

increasing your adsense revenue.

If you have a list of the top paying keywords (http://www.adsenseheaven.com or http://www.adsensepayday.com are two that we use), you can easily find words that you can use for your site. Create sticky content that is optimized around these top paying keywords, and both you and your visitor can benefit. Your visitor gets useful content, and you can increase your Adsense revenue. A win / win.

Another opportunity that your subscribers can provide you is an outlet to sell affiliate products. As an expert in your field, your subscribers will follow your suggestions. This provides an excellent opportunity to increase your affiliate sales.

This opportunity comes with a responsibility though to your subscribers.

If you develop a relationship with your subscribers, you will build on your credibility and trust. One of the biggest complaints of most people surfing the internet is the question of integrity and trust of the information they have in front of them. If you can develop that trust, and keep that trust, your subscribers stay with you.

Its very easy to betray that trust. Once you do, they are gone, and so is your opportunity.

How can you lose this trust so easily? If your subscribers feel that you are pushing products on them, instead of helping them, they will unsubscribe. If the information that you are providing is not valued to the subscriber, they will unsubscribe.

Your subscribers have entered into a relationship with you based on trust. If you treat that relationship with trust, you’ll find that your subscribers are more

Creative and Profitable Ways to Use Autoreponders

An interested visitor who has been strolling through your site has finally come to just what she is looking for and is about to make a purchase. It’s a sunny afternoon, and her cat, who happens to be sitting on the moss under the visitor’s large fifty-year-old snow-rose bonsai tree, suddenly jumps down, and the priceless tree topples over.

In the blink of an eye, your visitor exits your site, and your sale is dust - unless you have had the foresight to utilize an autoresponder that has captured her email address. If you have installed an autoresponder, you can then follow-up with her, and in all probability, make the sale when the poor woman has finished repotting her precious bonsai.

Autoresponders are remarkable, versatile programs that do so much more than just automatically answer your email. Here are a few ideas that will help you to creatively and productively use your autoresponder to transform the casual visitor into a profitable customer. Use your autoresponder to:

1. Publish a newsletter. Certain quality autoresponders will manage subscriptions and follow-up with interested prospects. Your newsletter can keep your visitors informed about your services or products, while building your reputation as a credible expert in your particular business.

2. Publish a newsletter only for your affiliates. Inform them of current sales you are running and of promotional material that your affiliates can use themselves to increase their commissions. Include tips, advice, and techniques that your affiliates can use to successfully go out and promote your business.

3. Write reviews. Cover books, software, music, e-books, movies, etc., and put each review in an autoresponder. Review your affiliate programs, using a link to your affiliate’s page in your autoresponder.

4. Distribute your articles. Writing and distributing targeted articles is a powerful tool to build your business credibility, bring traffic to your site, and increase your sales potential. If your articles contain valuable information, many editors will print what is known as a resource box for you. A resource box contains your bio and a brief description of your service or product. It can also contain your autoresponder address. Let’s say you’ve written fifty articles. Put them on separate autoresponder accounts and create a master list that contains the titles of each article, the autoresponder address, and a brief abstract. Then promote your master list. Additionally, include your publishing guidelines so your affiliates can add their articles to your list, increasing the number of writers who are represented in your article list.

5. Create mailing lists. Inform subscribers to your articles when you’ve written new ones that they may want to publish in their own newsletter or website.

6. Automate your sales process. Use an ad to insure repeated exposure of your message, which has been proven to effectively increase sales. In your ad, put your autoresponder address where a visitor will be exposed to numerous marketing materials. This multiplies the chances of converting visitors into customers. For example, if you’re selling a particular product, put testimonials about how spectacular it is on your autoresponder, and add a detailed, enticing description of your product.

7. Distribute advertising. Let’s say you sell advertising on your website or in your newsletter or e-zine. Set your autoresponder to send the information about rates and how to place an ad automatically to all prospects’ email addresses. Then have your autoresponder follow-up. It can also send notification of any special deals you are currently offering.

8. Distribute an email course. Each day, have your autoresponder send out another lesson. Just be sure that each lesson has quality content - not a sales pitch. Your content will do the selling for you, and will do it much more effectively. You can include tips centered on a different topic for each lesson, illustrating how your product will benefit the reader. Include the tangible benefits the visitor will reap by purchasing your product. Make sure to include a paragraph or two at the end of each lesson enticing your prospect to consider making a purchase.

9. Automate a reminder about your service or product after a visitor has completed your course. This will increase the possibility of sales from visitors who have taken your course but are dragging their feet about actually making a purchase. You can also use these reminders to promote new products or services, and the products and services of your affiliate programs.

10. Distribute free reports. This gives your visitor an idea of the type of information you can provide and the quality of your product or service. Make sure these reports are not sales letters or you will more than likely lose a potential customer than gain a sale.

11. Create trivia quizzes on your site and place the answers in an autoresponder. Your visitor will then be motivated to request your autoresponder, and you will have a record of the visitors’ email addresses who took your quiz. Or create a contest and have any visitors that enter send their responses to your autoresponder. Your autoresponder can be set-up to send them a confirmation of their entry.

12. Offer a trial version of your product. Give your prospects a sample of your ebook, course, software, membership, etc. People who are exposed to a little taste often end up wanting the whole pie. You can also capture their email addresses when you offer them a free trial from your website. Set up your autoresponder to give instructions on how to obtain their free trial, and then make sure to follow-up to try and close the sale.

13. Link to hidden pages on your autoresponder. For example, a hidden page could be your affiliate page that contains graphics, promotional articles, and text links that interested affiliates can make use of. Inform visitors that they may have free access to your affiliate page by simply requesting your autoresponder. You will then gather a list of visitors who may be interested in becoming your affiliates.

14. Use an autoresponder on your order page. Post a request form for visitors to be notified of special offers or discounts in the future. This creates a very effective mailing list that contains the names of people who are already your customers.

15. Put your links page on your autoresponder. It should contain up to fifty links that would be of particular interest to your visitors. Make sure to add your own promotional copy at the top or bottom of this page.

Now that you have proof that autoresponders can be used creatively, see if you can come up with some brilliant ideas of your own!

Remortgage Is The Ultimate Solution Of Mortgage Problems

My neighbors are older. They are nice people;however not too financial savvy. They came over for coffee the other day and while sharing they told me of a problem they were having.

It seems years before they had done a remortgage to pay off some bills and do some home improvements. They got a loan where the payment keeps going up and they weren’t sure why.

I explained to them that their current loan is whats known as an adjustable rate mortgage and that payments do go up on those type of loans.

I told them I would call my sister to see if she could help them out.

I’ve known my friend Mike most of my life. He is a good friend and so when he asked me for some help recently I was more than ready to help him.

When Mike got married last year he got a wonderful wife and a not so wonderful mortgage. The mortgage they have is an ARM that is due to adjust in four months.

The payments are due to go up to 547.34. They can afford that, they just don’t want to have to pay it.

I told them I would speak with my uncle Phil who is in the remortgage business and see what he can figure out for them.

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