03/04/13 Daily Market Update – Interest Rate Futures

To learn additional information about Jim and see more of his commentary: http://www.rjofutures.com/futures-brokers/Jim-Barrett/ RJO Futures Senior Broker Ji…
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Mortgage Refinance Vienna VA | (703) 594-9229 | SLS Mortgage

Mortgage Refinance Vienna VA – http://sls-mortgage.com/mortgage-refinance – (703) 594-9229 – SLS Mortgage If you’re paying too much for your mortgage every m…

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Life is Sales Conference

Life is Sales Conference
Event on 2013-04-16 09:00:00

 Sponsors                                                             Join our mailing list                           Double your referrals. Close more sales.    Grow your business. 

Impress your number one referral by bringing them with you. Book now save 0 plus free VIP upgrade bonuses. Like us on Facebook and win a ticket.  If you or your employees need an extra motivational sales boost this seminar is for you.  You will learn how to take prospects and turn them into sales by Canadian best-selling author of Life is Sales Gary Ford, who is known for his engaging speaking style, and award-winning author, public relations and communications expert and founder of the Carr Marketing Group Mario Carr.  Gary Ford has spent the majority of his career in professional development for sales teams and has spoken to organizations throughout Canada and the U.S.  Who should attend

Anybody involved in the sales process should attend the conference. That means everyone because Life is Sales. If you’re an entrepreneur or selling to consumers or businesses you will benefit by attending. The concepts that you will learn will help grow your business. All sales people will benefit from mortgage brokers, real estate agents, financial advisors, media sales, auto sales to retailers.



Gary Ford  

Gary Ford is a frequent speaker to large groups in the financial services business in Canada and the United States on sales skills and influence techniques. He is the author of Canadian best-selling book Life is Sales and co-author of The Canadian Guide to Protecting Yourself Against Identity Theft and Other Fraud.   Gary is a graduate of the University of Waterloo with a degree in Psychology. He has held a series of executive positions with a major financial institution and most recently as Vice President of Professional Development with a national insurer.  

Helping on his grandfather's farm in rural Exeter, Ontario, Gary was able to learn the value of hard work and discipline.  A valuble tool he learned during this time was the sense of immediate gratification of seeing results.  In his own words, "as you watch the plow turn the earth, you realized the results of your actions immediately".

This has contributed greatly to Gary's unique management style.  His philosophy is to always train his staff to "roughly west" – instead of building a fence to lead his team to his desired results, he believes they can take their own route to the end result.  Empowerment and ownership produce results.

Managers often like to tell their employees how to get there, but Gary's style is to coach them back on track as they veer off, which is where the term "roughly west" comes from.  Gary has spent his life with a commitment to mentoring cand coaching in every job, and gets a charge out of watching wheat (a nod to his farming days) and people grow.

The best advice Gary was ever given came when he was putting himself through school working at a gas station. His boss at the time said something that stuck with him through the years – "even if you're just pumping gas, you need to be the best gas-jockey you can be.  Wherever you are – BE THERE".  Gary took this advice and developed it into his own personal mantra, which is "build on strengths".  No matter where you are or what you do, take what you are given and be the best you can be from that.

 Gary enjoys fly-fishing, a round of golf and taking his '74 Triumph TR6 out for a spin.  

For more information www.lifeisales.ca


Mario Carr                              

Mario Carr has more than 20 years experience in public relations and communications. Some of his email marketing campaigns have received responses within minutes.   He heads the Carr Marketing Group and is the director of public education for the Hamilton Amateur Astronomers, writes a blog, monthly newspaper column on astronomy and appears on CHCH-TV to talk about the night sky. He is also on the Communications Committee for the Burlington Chamber of Commerce and is a Rotarian.  

The Carr Marketing Group brings sales and marketing together to help businesses grow. These are the two keys to success for every business.

As a public relations, email marketing and communications firm in Burlington, we help companies develop a profile and translate that profile into sales. We do much more, of course – all the basic things as well as crisis management, develop marketing strategies, environmental communications, investor relations, event planning, speeches, etc.

For more information www.carrmarketinggroup.com


"I have read numerous sales books and I must sincerely say that I would definitely put LIFE IS SALES on my list as highly recommended. The language used in the book by the authors is very easy to comprehend. They also provide valuable tips, insights and examples to use in your daily sales life. This book will also be enjoyed by those who are not in the sales profession."

Nissar Ahamed


"Gary, on behalf of Ian and the entire team who attended Wednesday's session, I wanted to thank you for coming out and really hitting a home run with the team. You did a super job of setting a positive tone for the day. Your content was bang on the mark for what we were trying to do with the team at the session. Your energy and enthusiasm really got them jacked up and engaged.

Leslie R. Baker, CFP, CIM, CFA

Regional Sales Advisor


"Gary this was one of the best presentations I have ever hosted for my realtors. In the audience there were also two owner brokers of my in-house real estate offices and they were so impressed with the content and you the facilitator. After the session, I had a line up of folks thanking me for inviting them to this session.

I want to thank you once again for making me look good in front of my referral sources and hope to see you again soon."

Brenda Manning

Mortgage Development Manager


"I just wanted to let you know how much we appreciated your presentation last month. Over the years, I have been a part of many sales courses and workshops – many of the skills taught are lost as soon by our sales people.

Your down to earth presentation style and easy to remember principles has had a lasting impact on our staff. I believe that your book is very helpful in supporting the material you covered. I can tell who amongst our staff has endeavored to read it and who hasn’t…We would really love to have you back."

Dan Coldwell CFP

Vice President, Business Development


"Gary, we had a great time…they haven't stopped talking about you! You were outstanding!"

Draj Fozard

Vice President Member Services


"Outstanding,!! It all makes sense and resonates and produces results. Mr. Ford has captured the essence of selling and why people buy by understanding a purchaser’s needs and wants."

Gary H Laughlin

Senior Vice President


"Gary, I just wanted to say thanks again for your recent "Life is Sales" presentation to our sales team. The feedback that we received was just exceptional! Personally, I thought the presentation was very informative, contained lots of good learnings and reminders relating to effective selling techniques and it was done in a fun interactive way.

I know people walked out of the presentation armed with some new ideas and concepts that really do work! I know because I'm now using a few of these techniques!"

"Gary, thanks again for your good work."

Ron Cameron Vice President Oakville and Mississauga District.


"What can I say other than "WOW!" Great response. Everyone enjoyed your presentation and when I hit the bar at 12:15 a.m. this morning they were all still talking about it. Thank you for your enthusiasm and a copy of your book, which I will be reading."

Tracey Greenspoon-A.M.P.

District Sales Manager



Power of Persuasion By Gary Ford  

This session presents a new and unique approach to influencing your clients and referral sources to say "yes" to your requests more often. Using the psychology of human nature, we investigate how to be more persuasive and in turn more successful.  

This highly interactive session is both fun and challenging. We discuss simple yet effective techniques to help sales people get what they ask for and close more business. By making more powerful requests and becoming increasingly aware of those key moments of power during a conversation, you open the door to becoming more influential.  

 We ask five sales related questions on how you would position certain requests, and provide the scientific research that supports consideration for a new approach to building relationships, networking and getting more referrals and more business.   This is Gary’s most popular program for those involved in the sales process.  

Key points you will learn:  

 •Increase referral sourced business

•Enhance how "to ASK for the business"

•Networking skills

•How to get "shoppers to phone you back"

•Be more influential in all aspects of life  


Sales Conversations By Gary Ford  

This training module is designed for those who deal with customers in person on a daily basis.  It provides a universal approach service providers or sales staff can use to manage any customer interaction with confidence.   Within this framework, participants learn how to gain the customer's confidence and cooperation from the outset, and how to use questions to uncover and confirm customer needs.  We use role play to showcase the techniques on how to close and follow-up to build the relationship and build the business through larger share off of wallet and referrals.  

Key points you will learn:  

•Know the four common segments of a conversation cycle

•Learn how to gain customer confidence quickly

•Use open and closed questions to understand the customers' needs

•Practice the power of restatement to guide the conversation

•Learn the magic words to increase the close ratio

•Discover the secrets to follow up and retention

•Best practices for that first interaction and building stronger relationships  


Email Magic By Mario Carr  

Are your emails motivating prospects to open and respond to you or are you scaring them away? In this session, you will learn how to build a qualified list of motivated buyers using email marketing. Email marketing is a fantastic communications tool that few have mastered.  Email is a great communications and marketing tool if used properly. You will develop an email marketing strategy that will help you win more clients and improve your communications skills.   You will also learn how to create an effective email campaign and how to convert social media prospects into clients.  

Key points you will learn

• Using email marketing to build a qualified prospecting list

• Communications for profit

• How to start an email marketing campaign

• How often and when should you send emails

• Creative content ideas

• How to turn email prospects into clients

• How to become a better communicatorAgenda    9 a.m. –  9:15 a.m.        Opening remarks – Mario Carr 9:15 a.m. – 10:30 a.m.   The Power of Persuasion Part I– Gary Ford 10:30 a.m. -10:45 a.m.   Networking 10:45 a.m. – Noon.        The Power of Persuasion Part II – Gary Ford Noon. – 12:45 p.m.        Lunch 12:45 p.m. – 2:15 p.m.   Sales Conversation Part I – Gary Ford 2:15 p.m. – 2:30 p.m.     Networking 2:30 p.m. – 3 p.m.         Email Magic – Mario Carr 3 p.m. – 4:15 p.m.         Sales Conversation Part II– Gary Ford 4:15 p.m. – 4:30 p.m.    Graduation and closing remarks    Prices    Sign-up before April 10, 2013 and save up to 0.    You can attend the whole day or either the morning or afternoon session. Early registration for the whole day is 5. That's a 0 savings. Regular and late registration is 5.    Early registration for either the morning (before lunch) or afternoon (after lunch) session is 9. That's a savings. Regular and late registration is 9.    Best deal save 0 plus  VIP Bonus package    When you purchase the full day package deal before April 1, 2013 at 5 you will also recieve the following VIP package. Don't miss it seating is limited.   • Gary Ford’s Canadian best-selling book Life is Sales • Full day sales and marketing training • Sales and marketing workbook • Lunch and refreshments • Graduation diploma • Free parking and preferred limited seating     Customized group training also available. Eligible for Accredited Mortgage Professional (AMP) continuing education credits.  For additional local Phuket SpeedBoat visit phuketthailand-travel. 



Are there ID requirements or an age limit to enter the event?



What are my transport/parking options getting to the event?

There is lots of paid parking at the event. However, parking costs are covered if you purchase the VIP package. 


What can/can't I bring to the event?

Please bring your sales questions.


Where can I contact the organizer with any questions?

Please contact Mario Carr at or (905) 580-3472


Is my registration/ticket transferrable?



Can I update my registration information?

Yes only if the upgrade isn't sold out.


Do I have to bring my printed ticket to the event?



What is the refund policy?

30 days before the event


For more information contact (905) 580-3472 or , www.carrmarketinggroup.com

at Burlington Art Center
1333 Lakeshore Rd
Burlington, Canada

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Knickerbocker Theatre Sponsors Winter Film Series – “Amour”

Knickerbocker Theatre Sponsors Winter Film Series – “Amour”
Event on 2013-04-01 19:30:00
Knickerbocker Theater

The Hope College Knickerbocker Theatre in downtown Holland is continuing its tradition of showing contemporary and independent films through its 2013 winter film series.

The series is featuring three films in January and February, and one in April.  The series includes “Robot and Frank” (Jan. 7-12), “Searching for Sugar Man” (Jan. 14-19), “Hitchcock” (Jan. 28-Feb. 2) and “Amour” (April 1-6).  All films are rated PG-13 and will be shown at 7:30 p.m.

“Robot and Frank,” running Monday-Saturday, Jan. 7-12, is about Frank, a retired cat burglar, with two grown kids who are concerned that he can no longer live alone. They are tempted to place him in a nursing home until Frank’s son chooses a different option: against the old man’s wishes, he buys Frank a walking, talking humanoid robot programmed to improve his physical and mental health. What follows is an often hilarious and heartwarming story about finding friends and family in the most unexpected places. “Robot and Frank” features an award-winning cast including Academy Award-nominee Frank Langella, James Marsden, Liv Tyler and Academy Award-winner Susan Sarandon.

“Searching for Sugar Man,” running Monday-Saturday, Jan. 14-19, is an award-winning documentary about two South African men seeking to find out what happened to Rodriguez, an American musician rumored to have committed suicide on stage. His only recording, “Cold Fact,” was critically acclaimed, but a commercial flop in the 1960s and the artist slowly faded out of sight. However, a bootleg recording of the album appeared in South Africa in the early 1970s and developed a large cult following and became a voice for the white resistance movement in the country. The government banned the recording, which only ensured its growing fame. Now, decades later, two of those fans seek to find out what is behind the myth, and result is completely unexpected. “Searching for Sugar Man” won the Special Jury Prize and the Audience Award for best international documentary at the Sundance Film Festival. The film also won the Audience Award at the Los Angeles Film Festival.

“Hitchcock,” running Monday-Saturday, Jan. 28-Feb. 2, is a drama about legendary director Alfred Hitchcock, and his wife, Alma, during the filming of Hitchcock’s masterpiece, “Psycho.” Forced to self-finance the film, Hitchcock’s creative wife tires of the strain and his roving eye when it comes to actresses, creating tension in the marriage. The story behind one of the greatest films of all times is nearly as fascinating as the film itself. Featuring two Academy Award-winners in the main roles, Anthony Hopkins and Helen Mirren, the film is winning critical praise.

“Amour,” running Monday-Saturday, April 1-6, has a simple premise. Georges and Anne, who are in their eighties, are cultivated, retired music teachers whose daughter, who is also a musician, lives abroad with her family. One day, Anne has an attack and the couple’s bond of love is severely tested. The Michael Haneke film teams up two of the leading French actors, Jean-Louis Trintignant and Emmanuelle Riva, along with Isabelle Huppert. This film was given the prestigious Palme d’Or for best film at the Cannes Film Festival. “The New York Times,” “Los Angeles Times,” “Time Magazine” and several other outlets have named it the top picture of the year. The film is in French with English subtitles.

Tickets for all of the films are for regular admission and for senior citizens, Hope College faculty, and children. Updated information may be obtained by visiting hope.edu/arts/knick.

The Knickerbocker Theatre is located at 86 E. Eighth St.

at Hope College
141 E 12th St
Holland, United States

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FHA Mortgage Changes Coming April 1st, 2013

Scottsdale, AZ (PRWEB) March 07, 2013

Beginning April 1, 2013, FHA (Federal Housing Administration) will change their MIP (mortgage insurance premiums) on loans. How this will affect you? If you plan purchasing a home using FHA as opposed to a conventional loan it will cost you more money.

By law, FHA is required to maintain a 2% reserve on its Mutual Mortgage Insurance fund (MMI). Because of the bad loans given in the early 2000′s, FHA had a drop in its MMI to 1.44%. In an effort to rebuild to it’s original 2%, FHA has made the move to increase its annual mortgage insurance premiums on most FHA backed mortgage loans. This equals out to you (the borrower) as an increase of 10 points annually, or 0.10 percentage points. The increase applies to all loan terms under FHA, including 15 and 30 year fixed rate mortgages, which are the two most popular.

The FHA also announced that it is reversing its policy which allows FHA-backed homeowners to cancel mortgage insurance premiums once the outstanding principal balance of an FHA loan reaches 78% of the original balance. Starting 4/1/13, you may no longer remove the MIP throughout the life of the loan if the beginning loan balance is higher than 90% of its appraised value. This will remain true for purchases and refinances that fall in this category. If the loan balance is 90% or lower of its appraised value then the MIP must be paid for 11 years (this change takes effect June 3, 2013).

FHA mortgages typically cater to first time buyers who only have the minimum of 3.5% to put down or buyers with less than stellar credit. In an effort to minimize their exposure to these sometimes riskier loans, FHA has decided to increase their premiums by .1% on most loans they insure. For the average priced home of $ 250,000, this is about a $ 20 increase per month.

People looking to buy a home with FHA financing should do so before the April 1st change. As long as a property address people will not be affected.. There is a small window left for borrowers with less than 20% down to capture the current FHA rules!

Consumer Finance Expert Dean Wegner is a leader in housing with over 18 years of experience. Dean is Vice President of residential lending for Guaranteed Rate Mortgage in Scottsdale, AZ. Dean is a member of over 25 financial organizations and a Certified Consumer Credit Counselor. He has spoken to the media about housing over 1,000 times, including cover stories in The USA Today and appearing on CNBC’s “On The Money”. Women’s Entertainment Network (WeTV) features Dean as the Financial Guru in their hit reality show “Downsized.” Dean is also an accomplished author and his recent release “Life After Foreclosure” is available in book stores nationwide. Dean owns a Real Estate School and wrote the 255-page guidebook,” How to Pass the Arizona Real Estate Sales Exam”. He also shares his expertise as a business coach for four years with The CORE Training, Inc. His community involvement includes being a Rotarian, a Board Member of Big Brother Big Sisters of Arizona and a founding member of Uncle Skate Charity. Dean lives in Arizona and enjoys spending time with his three wonderful daughters.

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Green Homes For Beginners – Tampa Evening Snack n Learn

Green Homes For Beginners – Tampa Evening Snack n Learn
Event on 2013-03-28 19:00:00

Come and learn how you can save money, live healthier and safer, while protecting the environment and increasing the value of your home at the same time, by going Green.


There is no obligation for anyone to buy anything or to do business with anyone. This is and opportunity to learn and network.

You will learn the following about Green Homes:

  • What Green Homes are, and the benefits of living in one.
  • How they significantly reduce home insurance costs.
  • How they save money by being energy and water efficient.
  • How they allow mortgages to be paid off faster.
  • How they qualify for tax credits and Green financing.
  • Why they increase in value, sell easier, and for more.
  • Why they are healthier because of superior air quality.
  • How they are more hurricane safe.
  • How they are professionally energy rated and LEED rated.
  • How to make Green improvements to your home.
  • How to buy any homeGreenin any neighborhood.

This is an opportunity to learn the basics about green homes without being intimidated by any techno green talk. Come and meet new friends, relax, snack, have fun and learn.

RSVP ESSENTIAL as we have limited seats.

at Peninsular Plumbing
5518 N Armenia Ave
Tampa, United States

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What is a home mortgage loan? Created with ShowMe iPad App

Khan Academy style presentation by a CFP(r) Professional of explaining mortgage loans, fixed vs. ARM loans, interest rates, refinancing, and Obama’s Home Aff…
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Home Loan Folsom CA | CLICK FOR BEST RATES! | Home Lender Folsom CA

CLICK HERE———-‪www.HomeLoanQuickQuote.com‬ Need a home loan in the Folsom California area? We can help! We are your Internet source for home loans of all types. Our lenders can quote you on FHA loans, VA Loans, Refinance, HARP Loans, FHA Streamline, Jumbo loans, Reverse loans and…
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Designed to Sell – Two Mortgage Madness

Designed to Sell – Two Mortgage Madness

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Price: USD 1.99
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Valley Auto Loans Reconfirms their Supremacy in the Country’s Bad Credit Auto Loans Market with their New Approval System

(PRWEB) March 07, 2013

Valley Auto Loans has recently come up with a car credit approval system that has been designed particularly for consumers without a decent credit history. This well known online platform has always shown remarkable focus towards serving bad credit consumers and this new system will once again establish their strong position in the market. With their new approval policy, Valley Auto Loans is targeting to achieve 100% approval rate irrespective of the credit score of the applicants.

To apply for the best bad credit auto loan deals, please visit http://valleyautoloan.com/apply-now2/.

No other company in America’s lending market has come up with a policy that prioritizes consumers with bad credit. In fact, these consumers are considered to be high risk by most of the auto lending companies. Valley Auto Loans works closely with a huge network of lending companies that are specialists in serving credit challenged consumers. As a result, they can not only offer an astonishing approval ratio, but also the best interest rates.

Official sources have informed that the company is about to launch a new department to offer dedicated support to customers with bad and no credit. This department will be run by finance industry professionals experienced in bad credit auto loan service.

About Valley Auto Loans: Valley Auto Loans is one of the most renowned providers of national and local auto loans. The company understands that it can be embarrassing and frustrating to not be able to qualify for a car loan or student auto loan. Valley Auto Loans connects consumers with the best auto lenders and helps them get approved for an auto loan quickly.

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