The Top 5 Reasons to Use Real Estate Flyer Templates
In difficult real estate markets (such as today’s market), it’s crucial for agents to lean out their marketing costs, yet at the same time, improve their brand identity and become efficient and well-known as an agent. One of the best ways to do this is by utilizing real estate flyer templates when creating marketing for their property listings. Real estate flyer templates are pre-designed marketing flyers, which agents open in an editing program like Microsoft Publisher or Adobe Photoshop, insert their property’s photos and description, then save and print for use in open houses and for various marketing efforts. Here are the top five advantages to using real estate flyer and brochure templates: 1. Unlimited Use — A successful top producing agent is constantly looking to promote their “just listed” or “just sold” listings.  What better way to create marketing material then to have your own flyer template? As soon as you list a property, just load up the template, drop in the photos and description text, and you’re set. Then, after you sell the property, simply load up the “just listed” template, change it to “just sold,” and change the price to the sale price. Now you have an excellent marketing flyer that you can distribute to your farm area to gain credibility and show off your latest sale. 2. Consistent Brand Image — A key characteristic of a top producing agent is familiarity.  All of the top agent’s marketing material has a consistent design theme, a certain “look” that differentiates them from other agents in the area. Agents that use plain flyers don’t create that signature brand image that the well known agents have. Consistently using a specific high-quality flyer template that is unique can help prospects in your area associate that look with you and allow you to cultivate a strong and recognizable brand image. 3.  Lower Marketing Cost — Many agents invest large amounts of money each month for marketing services and programs only to end up not using them because they are just too complicated or time consuming. Other agents end up hiring designers or marketing assistants to help them organize and implement their marketing campaigns, which is also very costly. Using flyer templates, agents pay a one time upfront fee for the templates (often less than the price of one hour or work by a designer) and are able to use that template for the rest of their real estate career without incurring anymore design fees. 4.  Easy Printing — Printing can be a major source of headaches for an agent, especially if they are trying to do it all themselves. Worrying about bleed lines, file formats, and document sizes is not an agent’s specialty. The good thing about professionally created real estate templates is that the printing specifications are built into the template and are, therefore, already taken care of. Simply update the template with new photos and text each time you use it, and send it off to your print shop (or your own printer). By using the same template each time you print, you can get any print discrepancies taken care of the first time you use that template, then just save it and re-use it over and over again. This helps you maintain consistent print settings which allows for easy and hassle free printing. 5. Fast Speed of Implementation — Another key characteristic of a top producer is speed. Agents that consistently get new listing are fast with everything they do. Many times these top producers have a team that they delegate marketing and administrative work to, which allows them to get more things done quicker. If you don’t have your own team to help you, you can still match these top producers in speed by creating your own efficient marketing system using pre-made flyer templates. Once you get a new listing, take the photos and load them into your brochure template, and get them printed. Having a routine down can allow you to focus your efforts where it matters most and using professionally designed real estate flyer templates is a key component in becoming a successful and efficient top producing agent. To download a professional real estate flyer template package, visit TurnKeyFlyers.comReuben Fine is the creator of TurnkeyFlyers.com, an online resource that helps real estate agents with their marketing by providing downloadable real estate flyer templates, easy-to-understand video tutorials, and useful sales and marketing articles.
Source: www.ArticlePros.com

Why the Real Estate Crisis Had to Happen
We cannot understand the present unless we understand the past The first question to be asked is when did the real estate crisis become inevitable? The correct answer is in the time period between 1980 and 1982 It has been forgotten today but the last real estate crisis in this country were the twin real estate crises of the 1980s In the early 1980s the first crisis was brought on by double-digit mortgage interest rates Then in the late 1980s there was the savings and loan crisis, which in those days provided most of the nation’s mortgage capital In response to these twin crises congress passed two laws that made today’s real estate crisis inevitable . .After these acts were passed it was only a question of time until the stars aligned correctly for the volcano to erupt .In 1980, congress passed the DIDMCA Act Prior to this time, it was illegal to charge less credit worthy customers a higher rate of interest on their mortgage Then in 1982, congress passed the AMPT Act, which allowed adjustable rate mortgages or ARMs for the first time Prior to this act adjustable rate mortgages had been illegal . .If you go back to 1896 when reliable housing records first began to be kept you will find that from 1896 to 1996 housing prices tracked the rate of inflation Then suddenly from 1996 to 2006 housing prices doubled The problem of course in that the income of the American people did not come anywhere near to doubling in that time period .When you stop to think about it, you will realize that it is impossible for the price of housing to exceed the rise in the income of the American people for any sustained period of time Unless there is an enabler, a speculator’s tool that allows this to happen What was the speculator’s tool or device that enabled this process to occur? What was the enabler? . .In the whole of American history there has only been one prior real estate bubble that resembles the real estate boom and bust that we are now witnessing It was the great Florida land boom of the 1920s Real estate has always been expensive What has always held real estate prices in check was that people just did not have enough money to bull prices up for very long The money is just not there The device that enabled the Florida land boom to occur was the “binder ” This is a real estate term that has gone out of use today In the manner in which it was then used it was essentially an option payment on the down payment if you can conceive of such a thing . .What it boiled down to is that people thought they were speculating on real estate but in reality they were speculating on real estate options . .The stock market has long been the ultimate proving ground for speculative tools Those of us who are stock market speculators are very familiar with stock options The only thing that the reader has to know about options is that they are speculating tools that possess tremendous leverage In other words, you can make a killing on a chump change investment . .Both the binder of the 1920s and the ARM are in reality real estate options All options expire worthless if they are not exercised prior to their expiration date Most ARMs were written to expire in two or three years, the fixed interest rate period At that moment the option had to be exercised or rolled over because the option would become worthless People were deluded into believing that they were buying real estate When in reality they were speculating in real estate options As we have seen, the tools for the bubble were in place by 1982 the only thing lacking now was the mania The boom years from 1991 to 2007 provided the mania Real estate prices rose relentlessly It was a boom that seemed like it would never end You couldn’t lose in real estate because no matter how much you over paid because rising prices bailed out everyone . .Today in the aftermath of the boom, we are already discounting the impact on the human psych that manias and bubbles produce To put it bluntly by the end of the boom almost no one could believe that real estate prices could fall This nearly universal belief gradually eroded prudent behavior The more risks you took the more you were rewarded There was no down side . .In the early 90s the use of sub prime mortgages and ARMs were limited-since almost all sub prime mortgages were also ARMs they will be considered as a unit- but as the boom progressed their importance grew and grew .Mortgage brokers just could not stay away from sub prime mortgages They were three to five times more profitable than standard mortgages Once they had sold one they didn’t want to sell anything else The caution that lenders had originally shown toward the new mortgage products was relentlessly ground away as the endless boom continued Caution wasn’t being rewarded, it was being punished There was a Gresham’s Law in effect- Gresham was an economist-in which bad or reckless behavior which was constantly being rewarded by lush profits drove out good or cautious behavior because the profits were inferior In the final years of the boom, conservative firms could not even keep their mortgage brokers from bolting to subprime lenders . .Then around the year 2000 Minsky’s Law kicked in Hyman Minsky was a Noble Prize winning economist . .Minsky’s Law .Over periods of prolonged prosperity the economy evolves from financial relationships that engender a stable financial system to financial relationships that produce economic instability The longer the trend persists the more violent the correction when the trend reverses . .As the boom rolled on the most important factor was that almost everyone was a winner This was true in spite of the fact that subprime mortgages were constantly defaulting at the higher rates that had been predicted Not only was the higher default rate not a problem but everyone was making out like a bandit with subprime mortgages This included the subprime borrower As soon as he fell behind his friendly subprime mortgage broker would be there to write him a new subprime mortgage In fact he often got to take out new money when he refinanced the mortgage It was not unusual to have subprime borrowers take out new mortgages every two or three years during the boom . .If there wasn’t enough equity to suit the lenders, real estate speculators would be pounding at his door offering to take the property off his hands as soon as the notice of default had been published Often at a profit over his purchase price . .The banks were the greatest winners of all They were making a killing It is obscene how much money a bank can make during the foreclosure process as long as someone buys the foreclosed property Not only do they receive all the back payments but the brutal penalty fees as well .
Source: www.rsstnx.com