Month: February 2019

Become A Good Trainee Mortgage Adviser By Cemap Training

If it is your intention to embark on a career as a mortgage advisor and be successful and earn fabulous income, then the obvious route is to first become a Trainee Mortgage Advisor and arm yourself with Certificate in Mortgage Advice and Practice (CeMAP) qualification.

You may not need academic qualifications to be able to pass the CeMAP exams but the one thing you will positively need is a strong urge to succeed in a highly competitive industry.
The CeMAP consists of three different modules – the module one and two offer aspirants the knowledge and skills required to function as mortgage advisors. Module three comprises of objectivity based questions to test the applicant’s ability and aptitude to apply the understanding received from 1 and 2 modules.
To acquire CeMAP qualification, you must achieve examination passes in each of the three CeMAP modules, namely:

CeMAP Module 1 UK Financial Regulation
CeMAP Module 2 Mortgages
CeMAP Module 3 An assessment of mortgage advice knowledge

But as long as you do not hold the CeMAP qualification, you are barred from doing consultancy services on issue related to mortgage. Once you obtain the certification, you can either get gainfully employed or act as a freelancer to recommend lenders to the public.

In either case, you can expect to earn handsomely. CeMAP training courses are essentially designed for individuals who are new to the mortgage industry and without any mortgage background whatsoever. Though CeMAP was earlier more of an aptitude test conceived by the institute of Financial Services (IFS), it is today a nationwide familiar NVQ level 3 qualifications.
The test contains three main papers – multiple choice of 100 questions for CeMAP 1 & 2 and sixty subjects for CeMAP 3. To achieve overall pass and obtain CeMAP qualification, you need to pass each of the 3 CeMAP modules.

Aspirants wanting to take CeMAP training can easily find some well-organized CeMAP courses run by reputed and reliable training companies. There are different types of CeMAP training that are available classroom course, home study course and online course. There is also the seminar method of learning primarily meant for busy working professionals who are in a hurry to obtain CeMAP certification. These crash courses generally extend up to 3 days and very intensive in nature.

Most CeMAP course costs include all training materials, IFS CeMAP mock exam papers, exclusive training guides and revision notes plus all-round support. Today, CeMAP training course also comes in the form of lively CD-Roms. This is a complete training course designed to fully prepare you for CeMAP certification

You should however exercise caution when selecting the CeMAP training company as many organizations may be far too commercial-minded, relieve you of your money and provide inadequate support. The right CeMAP training institute will not only teach you the course content but guide you on the exam techniques as well. Please also make sure that the CeMAP training company you finally select assures you of success in the exam or agrees to offer free training for the subsequent attempt.
Even if you join any leading training CeMAP training company, please remember that it calls for dedication, concentration, hard work and the determination on your part to succeed and obtain the coveted certification.

Condominium Complexes – Family Home of the Future

Some of the most popular types of housings in the Philippines today are condominiums. Part of what made these types of housings popular is that it gave many Filipinos the kinds of benefits they were looking for, such as the accessibility to business and commercial districts.

In addition to the luxury of accessibility that most condo in Philippines is known to offer their residents, there are also a number of condominiums in the market that can offer a different set of advantages to its residents, one of which is giving them the environment suitable for their growing children.

The Disadvantage of Condominiums in the City The main advantage of most condominiums found in the middle of a business and commercial district is the luxury of its accessibility, allowing its residents to easily and conveniently access their workplaces while avoiding the usual hassles of rush hour in the morning.

However, the disadvantage of these types of condominiums is that it lacks the necessary environment as well as facilities which can accommodate the needs of a growing Filipino family. Although it can offer a spacious unit, which is enough to accommodate a family of 3 or 4, as well as facilities like swimming pools, gyms, and sports complexes, these types of condominiums are still not enough to accommodate the needs of a growing child, such as the need for secured wide-open spaces for running and playing, as well as parks and playgrounds where they can exercise their freedom as a child.

Because of this, a new type of condominium was introduced in the Philippine market which aims to offer an environment suitable for a growing Filipino family. These types of condominiums are known as condominium complexes.

The Benefit of Condominium Complexes The main benefit that made condominium complexes popular in the Philippine market is because of its location, in which these types of condominiums are mostly found around the outskirts of Metro Manila as well as in some popular provinces around the district.

Although at a disadvantage in terms of accessibility, these types of condominiums became popular among many modern Filipinos because it can offer an environment suitable for their growing children.

According to many Philippine real estate experts, some of the most popular benefits that these types of housings can offer that made it a popular modern home for a Filipino family is because of its secured wide-open spaces, its serenity due to the fact that these locations are secluded from the city, as well as with its facilities that caters to the needs of growing children, such as recreational parks and playgrounds.

Because of these, benefits, condominium complexes quickly became a very popular type of modern housing in the Philippines in terms of providing a suitable home for a growing Filipino family.

Your Mortgage Tagline…is It Workin For Ya Or Agin Ya

The most successful companies in the world choose words carefully when they create their advertising taglines. You can learn from their advertising strategy and experience. Treat your mortgage tagline as a critical part of your marketing campaign and choose your words very carefully.

In case you don’t know what a tagline is…it’s a short (usually one line) advertising blurb that aids in establishing credibility for you. Your mortgage tagline helps customers and prospects to feel that calling you and working with you is a “safe” choice. Your tagline can help drive business for you.

The really nice thing about taglines other than they work, is…they’re absolutely free! Once developed, they sort of tag-a-long and enhance all of your mortgage marketing material and summarize your advertising message in one short sentence.

How much more effective could your advertising be if you treated your tagline as a sales opportunity? With just a few additions and small adjustments, you could significantly improve the power of the tagline in your ads, and improve your return on your advertising investment.

Here are a few examples of some highly profitable taglines: Coke – “The Real Thing”, Pepsi – “The Choice of a New Generation,” Maxwell House Coffee – “Good to The Last Drop,” Budweiser – “The King of Beers,” All of these companies know that their tagline is a sales opportunity, and they use every word carefully to take full advantage of that opportunity.

One thing to keep in mind is that the key to creating your very own “mortgage brand” or “mortgage tagline” begins with creativity. You want people to think of you when they think of mortgages. Make sure your brand has an emotional ring to it. The right choice makes people want to do business with you and actually creates customer loyalty. The right brand tugs at their heart strings and says “buy me.”

If your business card says “Vice President” that’s great…except it really doesn’t describe exactly what you do, does it? Instead let’s use the title “Home Loan Consultant” or “Investment Specialist” instead.

Now, not only do you have a great title, but the title describes to folks exactly what you do and what you’ll be talking to them about. There’s no mistake here…you don’t work for an Automobile Dealership, or a Dry Cleaner, or whatever. You are involved in loans and mortgages.

If you’re having a problem getting started, just Google your competition and the consumer goods industry, then convert their marketing campaign and sales message into your very own mortgage business strategy. Work your chosen tagline into every single facet of your business plan and marketing program.

By simply improving the power of your tagline, you can improve the response to your marketing material, improve the return on your advertising investment, and improve your mortgage business. Go for it!

Condominium Being A Good Home

If you are in the market and are looking for a home to live on as a fresh start, you could have considered purchasing a condo. Though you may hear good things a lot about condo but there are things that every person never overlook by asking questions regarding the positives and negatives of condominium dwelling. You need to understand that there are many positive aspects which can truly enjoy a lot of which are unavailable within a single family house. You should check out a lot of the positive aspects to condominium living.

First thing and for most, people do want to buy a condo for the reason that they want to be living safely. There are lots of condo buildings provide safety services. This may consist of a gated property line with appointed guards, surveillance camera, or a building with an exterior code necessary for access. If you ever value your level of comfort and are not thinking about door to door dealer interrupting your home living, you can think of a condominium neighborhood that guards you and your property.

The good thing about condo is most of them provide exercise accessibility. They provide occupants a usage of exercise amenities. The preservation associated with these kinds of facilities usually occurs out of your condominium payment, providing you relish all of services. You dont have to go out from your condo just to go look for any fitness center outside.

Also the positive things about the condo are the less amount of work. You wont be getting frustrated in doing all the lawn work since you dont have to do lawn things anymore. Depending on the shape of the complex, you will not have to bother about mowing a yard or landscape designs. The condominium association will have to take care any of that.

If you are searching for an excellent expenditure of money that will let you eventually, on the other hand, think about searching for a condo and find the possibilities available for you new home. Make the condo you choose become as your very own home. They could give you the comfort and the security that you are looking to.

Loans for Bankrupt People – Get Your Financial Support Back

If you had declared the bankruptcy, then it is surely your worst day of life. However, at that time you also have different opportunities like loans for bankrupt people which are planned help for bankrupt people. This financial option offers the financial help so that bankrupt people can regain their monetary status.

These loans are available in secured and unsecured form. Borrowers can go for the loan according to their convenient. In the secured from, there is a requirement of placing the security against the loan amount. Without the security lender does not offer the amount. Homeowners can avail the cash with no hassle in the secured form.

However, tenants have the option of unsecured form to avail the loan amount. It is an advantage for the borrowers because of the no risk factor. They can avail the cash without any risk, but at higher interest rate. This is the perfect option if you need small amount to borrow.

With the help of the loans for bankrupt people, borrowers can smile once again because they will use this money to maintain their financial standard again. To get the approval you must be 18 years old with the UK citizen. It is very important that you have stable job so that you can pay back the loan on time. The person must possess an active bank account for the money transaction.

The online mode of applying for this credit option is just fantastic way to get the cash. In the online mode you do not need to go outside and search for the lender. You can easily sit at the front of your computer to make some healthy search.

A good search will be able to give you reliable lender for your procedure. It is very important that you select the right lender because you provide your crucial personal information to your lender.

Alex Jonnes is financial adviser for Online Loanss. click on the links to know more about loans for bankrupt people, payday loans no faxing, payday loans no credit check and extremely bad credit loans.

Why Home Staging Works

Home staging can help you achieve maximum dollar for your home and sell it faster. Here’s why it works:

1. Unstylish means unsold. More often than not, people can not look past empty rooms or even unattractive decor. Successful builders usually use model homes for this reason. Home staging will give the home a more unified, up-to-date, simplified look that people are looking for.

2. A Buyer Can’t Fight the Feeling. House hunters usually start off with a list of things that they want in a home or reasons why they won’t buy. In the end more people tend to buy for emotional reasons sometimes disregarding their list of criteria. Staging your home gives it more of an emotional feeling, it will change, “The second bedroom is too small” to “Wow, this feels like home” and “I can see us living here.”

3. Sold is in the Details. You have been living in you home for a few or even many years. You are used to it. The best thing you can do to improve the look of your home is to have a fresh set of eyes come in to see what you may not. Stagers give you professional advice that you may not have thought of. Even the smallest changes can make a big difference. When buyers come through a home looking to buy they will notice the smallest details even if you don’t anymore.

4. Don’t Trade Sleep for Upkeep. When people have their homes up for sale they often times are too busy and tired to do work on their homes. Buyers see that the house could use some tidying or there is too much clutter. Home stagers come in and do that work for you. They can quickly get the home ready for sale so when the buyer comes in it is organized, clean and has a functional traffic flow.

5. Seeing is Believing. By staging your home you are creating that “model suite” look. This clean, organized look appeals to a broad spectrum of potential buyers. Your home will look better on the internet, in print advertising and in person.

6. Your Home has Gold Status. Realtors look at staged homes as the premium homes to be viewed. As a result you will get more viewings. Staging works and costs less than the usual first price reduction. So, there is nothing to lose, just more to gain.

Permission to reuse or redistribute these materials is hereby granted provided they are reproduced or redistributed in their entirety with full attribution. (c) 2008 Colette Robicheau Colette Robicheau, President of Organize Anything, is a consultant, coach, and public speaker offering corporate, residential, and personal organizing services. For more information contact Colette Robicheau, Organizing Consultant and Coach visit her website www.organizeanything.com or email .