You sent out hundreds of promotional emails to thousands of people. The conversion rates on those mass emails seem weak. Why so? Well, maybe those emails weren’t all that good. Quality counts with email marketing. Yes, promotional email strategies are numbers games. Sending out a significant volume of emails to a great many people can be better than sending out minimal mailings. No email strategy, however, works when the content is weak. The words and images must sell effectively. Even the best material, however, suffers when the design of the email undermines it.

The Notorious Non-Responsive Email

A non-responsive email is an email that might as well not exist. An email list comprised of tons of great prospects means little if the email bores them to death. Email marketing must inspire and motivate the recipient. Trying to achieve these results with a template isn’t going to cut it. “Cookie cutter templates” provide a way to make a generic email newsletter. Free ones cut down on overall marketing budgets. The drawback, however, would be the lack of a response. Emails go out. Sales don’t come in. Even procuring no-commitment leads isn’t doable. Flat, dull, “pre-fabricated” marketing emails generally don’t deliver results. So, why waste time with them?

The World’s Mobile Now

Template-based emails rarely make a positive transition to tablet and smartphone screens. The poor transition proves outright disastrous for anyone relying on an email marketing strategy. The year is not 2003. People don’t sit in front of a desktop like they once did. They like mobile devices to browse the internet on the go. Anything pulled up on a mobile screen must fit. Otherwise, the email won’t deliver an effect. Ultimately, sales won’t move.

The Layout Proves Troubled

A non-responsive email comes off as both choppy and incomplete on a mobile device. Sections of the email might not even be visible on the screen. If the viewer can’t see essential parts, the content won’t deliver any results. Anyone who thinks the recipient will zoom in or scroll down doesn’t understand how troubling the layout is. The look creates a wrong impression.

The poor impressions extend to the email’s product or service. The person or company behind the email doesn’t come off very good either. Incompetence turns into a contagion spreading to all associated with the email. Marketing strategies do more than sell products and services. Robust strategies also support the branding of a business/entrepreneur. Weakly composed emails combined with horrible, non-responsive layouts don’t speak well of whoever sent the promotional herald. Casual indifference to a non-responsive email strategy is bad enough. Leaving recipients with an awful impression about the company/entrepreneur comes off as a disaster.

Professional Talent and Responsiveness

Templates remain the preferred choice of amateurs. Poor design and layout reflect the results of amateur work. Anyone serious about a marketing strategy should turn to a professional email marketing team to craft the right approach. The best marketing path creates the best potential to see a return on investment.

For more email marketing tips visit Database USA, the leading provider of full-

service database, today!


When it comes to retirement, most people take advantage of the sudden drop in responsibility to relocate to somewhere more palatable. When you don’t have to worry about a daily commute or doing the school run, location becomes much more flexible when it comes to daily living. Selling your current home is the first step to consider, and if you’re planning to relocate to a better property, then you’re going to need to make sure that you get a good price for your current home. Finding ways to improve the price or speed up the sales process will ensure that you start your retirement in the right way, and help make the entire process significantly smoother. Here’s how you can fast-track your home sale and get on with the enjoying relaxation that is retirement.

Quick ways to speed up a sale

Before you put your property on the market, you need to make sure that it is ready. Remember that homebuyers want to see themselves living in a home before they commit to buying it, and there are some easy ways to help that process. Declutter your home so that you maximize the feeling of space, and allow potential buyers to see more of the property itself. It is often worth renting out a storage facility if you have too much clutter in your home, but always remember that buyers are also looking for a lifestyle. Make your home look its best, but do include some personal touches so that buyers can see the potential of the property.

Improve those first impressions

Curb appeal is vital in the realtor market. Most buyers make a decision on a property before they even walk through the front door, so you need to make certain that your first impression counts. Ensure that your front lawn is tidy and neat and that you make repairs to existing issues like leaky drainage pipes or loose tiles. Give your front door a fresh coat of paint and always consider the way that your property looks from an objective standpoint. Make sure that you keep as much of the personality of your home as intact as possible, but never underestimate the importance of that first impression.

Add value to your home

One of the best ways to get a better price for your property is to make cost-effective changes to it. There are some key long-term considerations to think about, and whether you opt for a complete overhaul of the central heating system or a conversion to a smarter home, adding value could make retirement a much easier transition. Make sure that your changes are in keeping with the theme of your home, and consider applying to get a Peerform loan that can help you cover the costs of your transformations and see you earn much more profit from the sale. From garden improvements to adding an entire extension, adding a high-value upgrade to your property is always worth considering.

Selling a home needn’t be a stressful experience. Whether you’re on the verge of retirement or you’ve been enjoying the peace and quiet for a while now, selling your home and relocating could be the key to getting the maximum benefits in your new, retired life.

You’ve seen the commercials on television. There are even well known celebrities touting them, but is a reverse mortgage really good for your retirement? Most would argue it is; some would argue it isn’t. It boils down to your current financial situation and whether the reverse loan would benefit your retirement finances and savings. The best way to determine if this option is right for you is to evaluate its pros and cons. Here are some of them for your review.


Most consider the number one pro of a reverse mortgage to be no more house payments. In a reverse mortgage, a company, such as American Advisors Group, basically purchases your home from you but still allows you to live in it. You retain official ownership – your name stays on the deed – but when you die, the home transfers ownership to the reverse mortgage lender. This being said, no house payments help you live more comfortably in your retirement, which is a nice perk.

With an AAG Reverse or other lender’s mortgage, you can take the monies in one lump sum, in monthly advances for a designated duration, or as a line of credit you can tap into when needed. Some lenders will also allow you to combine these options, such as taking a small lump sum so you and your spouse can travel around the world and put the remainder in a line of credit. It’s important to note there are fixed or adjustable interest rates attached to these monies.

You can finance your traditional closing costs in the reverse mortgage, which means little money comes out of your pocket once the reverse mortgage is approved. Most reverse mortgages are also exempt from income taxes, although it’s always wise to confirm this with the lender and your CPA. In most cases, the reverse mortgage will not affect your Medicare and Social Security, and you nor your heirs are liable for any increase in your home’s value once the reverse mortgage is collected.


Nothing is too good to be true, and reverse mortgages do come with some cons. Because you still live in your home and retain its title, you remain responsible for home insurance and maintenance costs, homeowners association fees (if applicable), and your property taxes. You also remain responsible for loan interest and fees as they accumulate over time. If you financed your closing costs, you’re liable for those, too, if they aren’t covered in the loan collection, i.e. your home’s sale.

If you plan to leave your home to your children, they won’t get it with a reverse mortgage unless they buy it outright. Once you pass on, your home’s title is transferred to the lender, as mentioned above, and if there isn’t any equity leftover in your home, your kids won’t receive anything from its value. Another thing to watch out for is the mortgage fees. In some cases, they are higher than traditional mortgage fees, so keep an eye on them.

Check with your Medicaid and Supplemental Security Income benefits consultants, too, if you receive either of these federal aids. A reverse mortgage can affect your eligibility and/or benefits amounts, so don’t go into the loan blindly. Understand that if you are ill and must vacate your property for longer than 12 months due to hospitalization, the lender has the right to sell the home and force the repayment of your mortgage. You cannot vacate your home for more than 6 months when healthy.

Is a reverse mortgage right for you? Only you can tell, but now that you know the pros and cons, you’re better suited to make a decision. Talk with experts in reverse mortgage lending and your CPA and benefits consultants. Make sure you have the answers to all your questions.

Investing abroad can give some great returns, especially in this highly globalized economy. However, it’s also ridden with pitfalls, including everything from currency value shifts to cultural barriers such as language. Whether you’re planning to invest in stocks and shares or opt for something such as property instead, it’s important to get some assistance so that you can keep your global investment portfolio looking sharp.

Go for award winners

The investment sector plays host to plenty of recognition schemes that provide industry leaders with a chance to be rewarded for their efforts. Everything from client fund protection to good customer service is recognized in these awards – so as someone looking for investment services yourself, the value of these schemes lies in the way that they can point you towards the best professionals to go to. If you’re looking to invest in Britain, for example, then the nominees for the Share Magazine Shares Awards might be a good place to start. In Australia, the Stockies awards for Australian brokers is a great place to look. No matter where you plan to invest your cash, there’ll be a relevant awards scheme in the country that you want to use.

Find a specialist broker

There are brokers in every major economy around the world, and all of them have wise investment knowledge when it comes to navigating the local markets. However, if you’re based in Seattle and you’re planning to invest in Sydney, then a local broker in either of those places is inevitably going to be more familiar with their own environment than with the wider one.

Step forward the specialist international broker: by approaching a practice or an individual who is an expert in international investing, you’ll save yourself time in the long run as they’ll know how to help. These are usually available through a Google search, or your domestic broker may be able to put you in touch with their practice’s international branch.

Currency dealers

When investing abroad, you’ll usually need to have a good currency dealer on hand who can help you keep as much as you can of your international profits before converting them back into dollars. Some important options to look out for in a currency broker include bulk-buy deals, whereby the exchange rate fee is slightly lower if you’re cashing out a large amount of money. This way, you’ll be able to structure your profit withdrawals strategically and at the right time in order to pay as little as possible on the transaction.

If you’re thinking about investing abroad, then you’ll know that it’s not always simple and easy. There’s a lot to think about, and you could find yourself in trouble if you don’t get the help that you need to make it go as smoothly as possible. From finding a reputable currency dealer to locating an international specialist who works across borders, you’ll be giving yourself the best possible chance of international investment success.

2018 is looking to be a highly advantageous time for homeowners looking to sell. There are many factors that make it so that homeowners can get the most out of their properties. Consumer confidence is at an all-time high since the 2008 financial crisis, and mortgage interest rates are incredibly low. However, there are more aspects that can impact how much money you get out of your home. One of those factors is the time of year, and here is some information to keep in mind.

Selling in the Summer

Summer is a great time to put a house on the market because people tend to take more time off work, so they may be more inclined to go to open houses. Some homeowners even like to get creative and host a little barbecue as part of an open house. Another benefit of the summer months is that the curbside appeal of the house is at its peak because any foliage will be in full bloom.

However, one thing to consider is how hot it tends to get in your area. If the summers are particularly brutal, then a lot of prospective buyers will not want to venture out. Additionally, a lot of people go on vacation during this time, so there may be fewer people in your area actively looking for houses. For homeowners in more moderate climates, summer can prove to be advantageous.

Selling in the Fall

A lot of homeowners tend to avoid selling in autumn. The reason for this is due to the fact there is so much more going on. Parents have to get their kids ready for the new school year. As a result, you have a lot less competition in the marketplace, and potential buyers are more likely to flock to your property.

The drawback to keep in mind is that while fewer homeowners put their houses on the market, fewer people tend to look. They also tend to be busier during this time with the kids, so you may not get as many phone calls.

Selling in the Winter

Winter is usually the least popular time to put a house in the marketplace. The weather is at its worst, so the curbside appeal of your property will be at its lowest. If you have a gorgeous garden, then you probably cannot show it off to its fullest potential during this time.

On the other hand, you may be able to command higher prices for anyone who is looking to buy. Fewer houses means would-be buyers have fewer options. In the event you absolutely must sell your home during this time, then it may be prudent to look at companies that advertise, “We buy any house.”

Selling in the Spring

In general, spring is the best time to sell for most homeowners. Your yard will look its best, and it will serve as an optimal time for families to move.

Most families tend to avoid moving in the middle of the school year because they do not want to disrupt the children’s studies too much. Buying a house in the spring means the deal will close in 30 to 60 days. That means the actual move will not actually occur until the summer when the kids are out of school. When you have an open house in the spring, you can definitely expect a lot of people to come through.

The time of year is merely one factor to consider amongst many. You also need to consider whether you live in a metropolitan or rural area. You also need to look at what other houses in your neighborhood have sold for. Considering all this will increase the chances of getting the most out of your house.