Auto Insurance Companies – Car Insurance Quotes

Compare Auto Insurance Rates

Stats revealed auto insurance premiums rose by 7% last, far above the usual 3 to 4%.  With driverless vehicle technology ready to roll, and auto claims rocketing, drivers are likely to see even higher rates soon.

If your rates rose despite having no claims last year, well, isn’t it time you started shopping for cheaper auto insurance?

Shopping around online is the only way you will reduce your auto insurance costs




Compare Car Insurance Rates

If you’re not comparing auto insurance rates, you’re giving away money. In fact, car insurance shopping is the only way to can substantially lower your premiums and get better converage.  This post will convince you and give you some new options.

You get lower auto insurance by comparing quotes from different vehicle insurance companies. There are a lot of them out there.  There’s big and small insurance companies and independent brokers looking for your business.




Will you save on insurance for electric vehicles?

Rising auto insurance isn’t a local issue. Car insurance rates are rising everywhere but it appears consumers are apathetic about it. If you look at the price charts below you’ll see how much people expend for auto insurance.

Self-driving cars could raise auto insurance rates for you and I, since those autonomous car companies would negotiate their own low rate coverage. They’ll save plenty, but you will have to negotiate your own insurance rate.

 




The insurance companies are awash in cash now however they’re facing tough times as their own pool of revenue is eroded and claim payouts rise. Switching insurance companies might be a wise move. Consider this stat:

The average auto insurance premium in Ontario, Canada is $1,458, which is almost 55% higher than the average of all other Canadian jurisdictions — from a Globe & Mail report.

It’s 2017 and time to take massive action to save money. Have you investigated UBI or usage based auto insurance? Check out the auto insurance rates for your city or state below.

Get the best auto insurance quotes in Toronto, Vancouver, Los Angeles, San Diego, Miami, Phoenix, Denver, Boston, New York and other cities where consumers are fed up.  We’re all paying too much to insure our cars, SUVs and trucks. It’s hard earned dollars ($10,000) that you’re giving away but now that can change.  Has your loyalty to one insurance company done much for you?

Look back at the last 20 years of auto insurance coverage you purchased (e.g., 20 x 12 x $150 = $36,150).  Could you use that money right now?

It’s a Great Time to Switch Auto Insurance Companies

Bentley EV  – Luxury Car Insurance

Yes, switching insurance companies is a wise financial choice.  There are videos, charts, infographics and quote comparisons below that will open your eyes. When it comes to finding the lowest insurance rates, and a better policy, this might be a good starting point.  It’s best to do lots of searching and get a wide variety of quotes from insurers.  Just through persistence alone, you’ll get the best rates.  You could save $10,000 over 6 years or as much as $1800 in one year.

Do you Need Collector or Luxury Car Insurance?

Here’s an auto insurance niche where you can get more price and appropriate quotes for your Porsche, Mercedes Benz, Ferrari, Lamborhghini, Bentley, Rolls Royce, or Maserati.




I’m sure you’ll find the auto insurance quote comparisons below an eye opener.
According to one source, the average price of auto insurance across the US is $1100 to $1200 per year — that leaves lots of room for you to start saving!

Virginia has become the 19th state to ban consumer price gouging – Consumeraffairs.com – fair warning that you are probably getting taken.

Searching for Insurance via Google

Google is certainly fast and you’ll get better rates than from an insurance agency in Los Angeles, Boston, Phoenix, San Francisco, San Diego, Seattle, New York, Indianapolis, Detroit, Philadelphia, or Chicago. Within seconds you can be on an insurance company website and buy an auto insurance policy. I’d advise looking first to the auto insurance comparison sites before you decide on an insurance company and take their coverage.  That’s particularly true if you’re buying luxury auto insurance.




Not all of the big name companies such as Allstate, Progressive, Geico, Nationwide, State Farm, Mercury, StateFarm, and others offer great rates or the coverage you actually need. I know from my own searches that I tend not to be thorough enough. I get restless and frustrated and settle for a higher auto insurance quote than I should. I want to help you optimize your quest for the lowest auto policy.




Sharing Really is Caring
Share this post on Facebook with younger drivers who need some relief from $4000 to $8000 policies.
 

My Car Insurance Quote

I conducted a search directly on the insurer’s websites of Geico, Progressive, Statefarm, Liberty Mutual, Mercury, Allstate, AAA and Farmers. In the chart below, you can see the quote for a 40 year old male living in Santa Ana, California, driving a 2010 Hyudai Santa Fe 4 dr sedan to work 30 miles away daily, and having one non bodily injury accident (hit a car). We need an example to analyze an auto insurance quote, so let’s take a quick look at this one.

Statefarm’s auto quote was about $1300 less per year than Liberty Mutual’s. Over 6 years, that translates to $7800 in savings if I chose Statefarm.  Further below, I sought quotes via insurance hotline and the variation was bigger.  With your own search, you may find one local insurance company who may be willing to insure you at much less.

Is a  40 year old driver with one accident statistically that risky? Obviously Liberty Mutual, Statefarm, and AAA believe there is huge risk. Each company processes the statistics differently, and they’re entitled to. However, are they being reasonable about it. Is the auto quote abnormally high?

Geico Auto Insurance Quote Form Screen Capture courtesy of Geico

Get a Quote in Your City

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Auto Insurance Provider Price per Year
Geico Auto Insurance Company $1772
Progressive Auto Insurance Company $1884
Statefarm Auto Insurance Company $1654
Liberty Mutual Auto Insurance Company $2909
Mercury Auto Insurance Company $1760
Allstate Auto Insurance Company $1655
Nationwide Auto Insurance Company $2071
AAA Auto Insurance Company$ $2673
Farmers Auto Insurance Company $2796

Some of these companies make you fill out endless questions, some of which you have to wonder are even legal. I liked Progressive’s online auto insurance quote process the best.  It was quick and the least painful. They seem to respect your time the most. Their quote was a little higher than Allstate and Statefarm, but I suspect Progressive has a better corporate culture — a signal of how they’ll treat you after becoming their customer.

Auto Insurance Tips from Everquote.com

Auto Insurance Tips on how to Get Cheaper Car and Truck Insurance

Canadian Auto Insurance Buyers are Getting Ripped Off

Car Insurance Quote In Canada

Here’s another example auto insurance quote for a 2014 Hyundai Santa Fe, 4 door, for a 48 year old male with one ticket. See the huge difference in quotes from individual brokerages?  That’s right, in this case there are two Aviva brokerages competing. The lowest quote was  from Travelers insurance. It equates to $1700 savings per year and more than $10,000 over 6 years. That’s a significant amount.

car insurance quote
Car Insurance Quote for 2014 Hyundai Santa Fe

Auto Insurance Rates by US State

Just in case you’re curious, here is Insure.com’s rankings of States for car insurance policies for one year.

Cheapest Cars, Truck and SUVs to Insure

Are you looking for the cheapest auto insurance?  Check out usage based insurance and consider buying an old car. Here’s Yahoo’s list of the cheapest cars and SUV’s to insure:

1. Honda Odyssey LX – annual insurance premium: $1113 per year.

2. Honda CR-V LX – annual insurance premium:  $1,170.

3. Dodge Grand Caravan – annual car insurance premium $1,174.

4. Jeep Wrangler Sport – annual car insurance premium $1,181.

5. Jeep Compass Sport 2WD – annual car insurance premium $1,190

6. Ford Escape S 2WD – annual car insurance premium $1,194.

7. Buick Encore Sport Tour 2WD – annual car insurance premium $1,200.

8. Jeep Cherokee Base 2WD – annual car insurance premium $1,203.

9. Nissan Frontier S King Cab – annual car insurance premium $1,204

Here’s something to think about to motivate you: a savings of almost $1000. How long does it take you to earn $1000 x the next 4 years = $4000. Because, insurance buyers tend to be loyal (or just lazy) and stick with the insurance company that’s sticking it to them. If that’s you, then, spend a whole afternoon or evening searching for a lower auto insurance quote. Save your money.

Sharing is Good for Your Social Health, and good for others bank accounts. Help them save by sharing this post! Who couldn’t use all that money?

A survey by carinsurance.com (they do these studies for PR and for wider exposure in social media and Google) so take it with a grain of salt.  Carinsurance.com stated that in California, the average annual premium across the six top carriers was $1,428 (significantly higher than national average of $1,277). The cheapest car insurance averaged an amazing 33% less, at $960.

The Type of Car you Drive is a Key Factor

You may not realize that the insurance companies offer cheaper insurance for a certain type or brand of vehicle. Jeeps for instance have very cheap rates. Why? Who knows?  They’re not divulging anything that will cause them to lose profit. Obviously, your age, sex, and recent driving record will determine if you can get those best rates. Are new electric cars like the Tesla Model 3, Chevy Volt or Nissan Leaf the way to go?

Find the lowest insurance rates in your city: Los Angeles car insurance, Boston auto insurance, Phoenix car insurance, San Francisco car insurance, San Diego car insurance, Seattle car insurance, New York car insurance, Indianapolis car insurance, Detroit car insurance, Philadelphia auto insurance, Toronto car insurance, or Chicago car insurance.




Inforgraphic courtesy of Enhance Insurance – Automobile Insurance facts in all 50 states

Auto Insurance Resources

Car Insurance requirements in California:

Car Insurance requirements in New York:

Auto Insurance Coverage Requirements in Texas

Auto Insurance Coverage requirements in Florida

Auto Truck Insurance requirements in Illinois

Car Insurance minimum coverage requirements in Ohio

Car Insurance coverage requirements in Massachusetts

Lowest Auto Insurance Coverage in a City Near You

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Home Selling Tips – How to Sell Your House for More | Growing your Selling Price and Buyers USA Canada UK

Home Selling Tips for 2018

Do we need home selling tips just for 2018? I think we do.

Our focus is 2018, the year of more competition and listings.  The economic circumstances, taxation issues, price trends, migration, create unique forecasts for each housing market in 2018. To sell at a good price in 2018, you’ll need some strategy and tactical sales excellence.

Even in the best cities, prices are flat and homeowners will have more difficulty persuading buyers or property investors to buy their properties.

The tax situation is less profitable, the US dollar is falling, new home construction is up, the stock market is wild, real estate investors wary, and the economy looks solid.

There won’t be a housing crash in New York, Los Angeles, Boston, Miami, Houston, San Diego, Seattle, and even the Bay Area forecast is excellent. All of these thoughts will be on buyers minds as they visualize a price for your property. If you keep the faith, then it comes down to what you can do to raise the perception of value to them. And these home selling tips should help greatly.




As you’ll read in the home selling tips, you can have your cake and eat it too. Let go of all the “compromise” talk and know that you can get the maximum prices your home, cottage, condo or land is worth. Everyone knows real estate is precious and governments are committed to constraining supply.

When is the Best Time to Sell My House?

Timing your home sale is important, and asking “when is the best time to sell my house” is a wise question. Make sure you know all the time related issues to seasons and the economic trends happening now.

How to Start a Bidding War?

At some point, you’ve quietly thought about how to start a bidding war. Selling at over asking price is common, but with top notch real estate marketing strategy and a knowledeable Realtor, you can ratchet up your selling price.



Tips to Sell at the Highest Price

These 14 tips to selling at the best price, are another view to your goal to get maximum value for your investment.  These are good times with prices high or rising and many babyboomers are enjoying how their house and property is fetching a good selling price.

Which Renovations Increase your Selling Price the Most?

When you’re planning the sale, you know buyers are hungry, but maybe during negotiations they cite how your house is not in good condition. Worse, maybe a good number of prospects online are turned off by its appearance? Instead of letting that happen, and just dumping your home on the market, you might discover which house renovations increase selling price. Make the most of your reno budget.



Should you Sell Your Home Fast or for a Higher Price?

Do you know how Realtors selling strategy? You have a choice when you’re working with a Realtor, whether to sell it quick or take your time with marketing and build interest to a larger pool of buyers. Most Realtors use a blitz type of selling strategy where they maximize the impulse or desperation of buyers.

They might push it all into one intense weekend showing where it’s organized like an auction. Buyers see each other want your home and they might get emotional and start ramping up their bids, well over asking price. It works and clients get the picture that the Realtor has done a fantastic job of creating buyers and whipping up frenzy.

However, if the property has all sorts of flaws, is in a weak neighborhood, and it’s not high season for selling, the home might not sell. If the quick blitz backfires, you could see your selling price rocket downward. Anyone can sell during high season, but the Realtor who can sell you house now, is a good one.

Online Selling Strategy

Should you hire an old school Realtor or the new digital savvy Realtors who use real estate videos and social media marketing? If your Realtor is a power online marketer, they may be able to build substantial visibility to targeted buyer audiences.

Consider getting that kind of Realtor, create a plan, and do a blitz over 3 weeks. The best buyer prospects will hang on if they know you’re doing a 3 week blitz. You won’t lose them and instead you could enjoy 3 times the buyers and bids (over that 23 day period). In fact, the collective effect on the final winning price could be staggering.

We’ve all seen homes sell for exhorbitant prices, even more than double the home’s value. You might want to tap into that craziness and get some extra money for your kids/grandkids education expense.

The above posts offer extensive home selling strategy and selling tips to help you reach a bigger, targeted audience, give them what they’re dreaming about, encourage more and higher bids, and help close the deal with a record high price. Hopefully, the media will report your selling success like you were a star Mega Millions winner!

 

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When is the Best Time to Buy a House?

Best Time to Buy a House?

Whether it’s 2018, 2019, or 2020 that you hope to buy a home or invest in a rental income property, you might be comforted by the knowledge that real estate does well anytime you buy.

If you take great recessions and banking crises out of the timeframe you’re considering to buy, then your long term investment is sound. The historic price charts show rising home prices throughout the decades.

In every major city, the market forecast is good.  The Boston housing market, New York real estate market, Florida housing market, Houston housing market, SeattleSan Francisco, or Los Angeles housing market, the value of real estate has surpassed the stock markets, gold and of course your savings account.




An if you’re a first time buyer, paying a huge chunk of your income to rent, this whole matter of buying at the right time is important to your current and future well being.

Avoid the Peak Times to Buy a House

So you’re wondering what time of year is best to buy a house? Or, are you wondering if there’s a time of the month where more houses suddenly come on the market, where you might get first dibs? Sometimes selling after a major weather problem might be a good time too.

The floods in Houston and Miami, and the fires near Los Angeles and landslides near San Francisco, are events that trigger bargain home purchases.  If prices have fallen precipitously as they did in the Toronto housing market and the Vancouver housing market, then this bottoming out period might be a great time too.

Okay, for those without a strategic sense, buying in the fall months traditionally might be best to get lower prices. However, everyone pulls their house off the market during October, November and December. That can’t be good for a home search.

If you have a smart Realtor, and a real good home search strategy, you might be able to find those sitting on the fence and get a low ball offer in. You might get lucky and save tens of thousands of dollars and get a property that everyone else gave up on.

Is Spring the Best Time to Buy a House?

Spring 2018 is a great time to get started your house search. Home owners and buyers are arising from their winter dens and thinking about 2018. In many cities, the demand for homes has already started. Realtors are still talking multiple offers and bidding wars.

If homebuyers are actively listing to sell during January to March, then they are likely eager to sell their listed home.




They might be babyboomers sitting on the fence about selling (they’ve got nowhere to go) or they could be Generation X aged couples thinking about moving up to a larger property. A lot of buyers, perhaps you to want more space.

If you meet with these property owners you may be able to convince them to progress with their life plans. That means anytime time of year might be the best time to buy a home.

A report from Trulia shown below reveals fall prices drop by about 7% yet still remain 5% below for the months of January, March and February. You can find a bargain from January to April 1st. That means you should be looking right now for your next home or condo, before mortgage rates start to climb.

January, February and March might be the best time of year to purchase a property for real estate investors as well.

This might run counter to what people believe and have been told about the market. It might be harder to search for a home and get sellers to sell quickly. But remember, the actually possession date is off in the future.

People who might sell have more time on their hands in the Winter, especially if they live in Seattle, Chicago, Minneapolis, New York or Boston. It’ll be easier to get in touch with them and discuss your sincere, heart felt offer.

The best time to buy might be right now. If the economy improves and wages do rise, home prices will rise throughout the 2018 to 2020 period. Unless you’re very pessimistic and believe in catastropic events, demand for housing is unmet across the US and Canada. With more money in the picture, the longer you wait, the more it will cost.

It Doesn't Pay to Wait to Buy a Home

Launching your Research to Negotiation Strategy

So now, you need to discover the best way to reach them. Having a realtor who feels similarly about the winter search timeframe is good. If they don’t like, go with someone else. The compatible Realtor is likely not busy so they can put a better effort into finding homes, approaching the homeowner, and working with you to put out the best offer.

They may even take a lower commission, but don’t push that. The Realtor will likely be worth the 2.5% you pay them. If you wait till April, May or June to buy, you’re getting the highest prices, most competition, and your Realtor is too busy handling multiple clients and micromanaging negotiations. So that’s the worst time to buy — when everyone else is.

Another bad time to buy? During the Super Bowl Game.  Take a look at the Super Bowl predictions and put your money down, and then enjoy the game on Feb 4th, 2018.

When is the Absolute Best Time to Buy a House?

The very best, ideal time to buy a house in the winter, may be near or at the winter holidays such as Easter, spring break, or teacher professional developent days. Homeowners may be at home and may be most susceptible to the idea of selling and moving.

Late winter is a restless time for those in the cold, snowbound north, which is why a good number of people fly south for a vacation. Discontent, fatigue, boredom, and desire for something better is what gets them off the fence about letting go of their old house. Why do people sell in the spring? Because they’ve had enough after their winter of discontent. Catch them early.

Don’t worry about which days are best to buy a house. The key is to use your all channel accelerated home search strategy into action, and begin uncovering your dream house amidst winter’s gloom.

Good luck with your house search. You’ve found the best time to buy because it’s the best time for them to sell.




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Coffee Shops

Find a Coffee Shop Near You

Below you’ll find a large interactive map of coffee shops in your location. Whether you’re in Los Angeles, San Diego, San Francisco, Toronto, Seattle, Sacramento, Orange County, San Jose, Las Vegas, New York, Boston or Miami, no worries.

Cool Social Coffee Shop in Los Angeles – courtesy of LA Confidential Magazine




If the coffee shop for you isn’t there, they don’t want to be found! And while you might find Starbucks shops and McDonalds Cafes galore in most cities intown or on the road, the most popular and prevalent, you should check out other shops and bistros for a special organic or Costa Rica flavor.

Some independent coffee shops offer exceptional atmospheres, fun, relaxing and with views!  Find one below, local to your specific geolocation.




Where are the most popular coffee drinks?

  • Americano. A shot or two of espresso with a little added hot water.
  • Cappuccino. is an Espresso with some steamed milk topped with foam.
  • Café au Lait. Half coffee with half steamed milk.
  • Espresso. Brewed by forcing a small amount of nearly boiling water under pressure through finely ground coffee beans
  • Latte. Made with espresso and hot steamed milk, but milkier than a cappuccino.
  • Breve. American variation of a latte: using steamed half-and-half mixture of milk and cream instead of milk
  • Macchiato. Espresso macchiato, is an espresso coffee drink with a small amount of milk, usually foamed
  • Chai Latte. a flavoured tea beverage made by brewing black tea with a mixture of aromatic Indian spices and herbs

What is your Favorite Coffee Shop and Coffee Drink?

Global coffee drinkers consumer more than 2 billion cups of coffee per day, and the coffee industry employs 5 million Brazilians, and millions more workers in Costa Rica, Columbia, and Vietnam. Coffee sales represent about 80% of revenues for many restaurants worldwide. And let’s not forget how many workers it employs right here in the US from Los Angeles, to Miami to New York and Chicago. Literally millions of jobs depend on the sale of coffee.

Which coffee shops brands have the most locations?

  • McDonalds McCafe – 1300 locations
  • Costa Coffee – 1700 locations
  • Tim Hortons – 4300 locations
  • Dunkin Donuts – 10,000+ locations
  • Starbucks – 20,00+ locations

Coffee is big in America (Starbucks had an income of 4.2 Billion dollars last year) and it’s becoming big in China too. And that means thousands of coffee shops are springing up in countries that have normally not been big consumers of java.

America Divided on Which Coffee Shop Brands They Prefer

Coffee Brand Map courtesy of Maptitude.com




Most searches for a coffee shop near me are likely to involve a Starbucks downtown, on a highway, or near an airport. The map below plots them out in detail with driving directions, sometimes a picture, and a menu.  You may have to push the “+ button” until you drill down to specific areas where coffee shops near you will appear.

 

Find Coffee Shops Near Me

Find restaurants near me Los Angeles, restaurants near me in San Diego, and restaurants near me in Toronto. Enjoy dining out tonight with the food, drinks and atmosphere you’re hoping for. Enjoy your visit and make some beautiful memories.

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The US Massive Debt with China and the $20 Trillion Nightmare

OMG: US Debt with China: $1 Trillion + $360 Billion Per Year Active Trade Deficit!

You don’t hear much about the massive US Trade deficit on the major TV networks.  NBC, CNN, CBS, or ABC rarely mention the insidious debt with China and Mexico.  You’d think that a number like $20 Trillion (estimated shortly), $61 Trillion Total Sovereign debt, and a $1 Billion per day deficit would be CNN’s headliner every single day.

It’s unlikely the swamp people will want to help – Pic courtesy of Salt Lake Tribune

Instead, CNN and the rest spend all day attacking Donald Trump.  But then, Trump did say he was going to drain the swamp (including judges).

Unfortunately, Trump is launching another debt-driven campaign which may overheat the economy and grow the debt at more than $1 Trillion per year. Since it’s going into infrastructure spending with private participation, it’s not as toxic as Obama’s debt.  However, Trump did say he wanted all shelves filled with nuclear bombs which is pretty much insanity.




As a result, he’s paying the price in the media for doing good deeds. Let’s hope he gets these things done before he’s impeached for conflict of interest. Because the US is in big debt trouble and Trump is the only one with a solution. And how ironic it would be if the US becomes seriously indebted to Mexico!

Yet, it’s a taboo topic lurking in the dark. But when interest rates rise, this villian will walk through the curtains and into the limelight.  Are China and Mexico taking advantage of the US?  The huge debt won’t go away. Rising interest rates to pay the interest on the debt could get out of control. That could impact the housing market and whether people buy homes.

There’s no bubble / crash in foreseeable future, especially with Trump beginning to take control, and as we see investment funds arrive back in the US. The stock market is at a record pace.  Families and individuals need homes. Perhaps what’s at stake is who will be the landlord and who will be the renter. There’s big money in rental property investment and the Chinese have been buying. However, due to Trump’s actions, the Yuan will plummet and Chinese investment will soon be a thing of the past.




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Forecasting the Economy:  Where Should you Work, Invest and Live in the Next 10 Years?

So why don’t we look at the debt’s source, the numbers, the process, and consider what will happen if Donald Trump does manage to improve the situation.

You’ll find some eye-opening data, infographics, links and commentary in this post. Make sure everyone knows! It’s your civil duty. This post will be constantly updated so please bookmark it and share with your contacts.




Ultra wealthy Chinese. Photo courtesy of Ozy.com

And although Americans assume everything is good right now with “full employment” there’s a big “debt catch” with Obama’s legacy. With $500 Billion overall deficit in 2016 and almost $20 Trillion overall, the spirit, vitality, hope and wealth of the US is persistently eroded. The reason for the media silence is denial, and the so-called economic expert’s inability to make an emotional impact with Americans.  There is no coincidence that the deficit has coincided with America’s slide into despair the last 20 years.

The US National Trade Deficit with China was $4 Trillion since 2000 — and a Growth Rate of 300% in the last few years

“Our nation stands at the crossroads of liberty. Crushing national debt, rampant illegal immigration, insane business regulations and staggering national unemployment are pushing our nation into unchartered territory.”  — James Lankford from Brainy Quote.

US Trade Deficits with The World

Graphic Courtesy of PBS.org

6 of 20 Trillion Dollar Debt is Owned by Foreigners

Some suggest China may even threaten or blackmail the US over trade sanctions by calling in that debt. Doubtful, but how was this debt situation allowed by the US government?

 

Please Share this Post with others. Everyone around the world should know about the US national debt and deficit. This is something no 4 year job recovery can eliminate.




I think it really scares us that we’re staring at $20 trillion in debt, not knowing how our grandchildren will repay it,” says Bob Kuck, a retiree living in a gated community in Sarasota, Florida  — from CNN’s report: Is anyone worried about America’s $19 trillion debt? by Heather Long.

Of all the threats that America faces, it’s the quietest one that could bring the country down. Some may wonder if it’s too late for the US government to do anything about. And before Trump became President, he recognized how miserable the prospect of dealing with this gigantic national debtload is, grow the housing and investment outlook, and bring back good paying jobs. But he took the challenge anyway. It’s either heroic or suicidal.

Millennials and Gen Z’s Will be Paying the Bill

Tens of millions of millennial students having already been wrung through the US college educational system. They spent 4 to 7 years for an expensive education they’ll barely use along with a a whopping $1 Trillion in government backed student loans.  They will be paying for all of it and Gen Z’s will be joining them. But don’t worry, Trump’s got a plan for you.

The purpose of the education system has been to create great jobs for teachers, not for educational efficiency and productivity.

As Trump brings jobs back, the question is whether these stressed out, indebted, wrongly educated workers can step up to the plate. I think we’re all optimistic the kids will bale us out. And what Americans can’t do, you can easily immigrate to fill. Make America Great will be the slogan of Millennials shortly, but they’ll never forget all the debt.




$360 Billion per Year! $1 Billion per Day

The US National Debt with China alone has now grown to $360 Billion per year. In a 6 year span, that is $1.6 Trillion, $4 Trillion since 2000. Just to pay the interest on that debt is a sizable chunk of US GDP.

Donald Trump says he’ll tackle it, but the last time I saw a mouse attack a Lion, the outcome was not favorable for the mouse. The picture the media presents of China is still one of impoverished yet diligent and deserving workers glad to have a job. But China’s not like that anymore. China is rich.

China’s robot factories are growing fast which has raised concerns about millions of layoffs of Chinese workers. Only a smaller number of engineers and technicians might be needed. Now they may have unemployed robots as well.

Chinese workers assisting robots. Photo courtesy of hangthebankers.com

Why Is the US National Debt so High?

The persistent trade deficits are a big reason. Obama/Clinton never talked about it, in fact, Obama spent $8 Trillion in the terrorist aftermath. A good portion of that handout was never traced. They don’t even know where that money went. The debt to China directly is now over $1 Trillion. Now China is able to buy up property and companies here like it’s a fire sale.

Another reason for the debt is Free Trade. While free trade was a theoretically good idea 20 years ago when I was studying International Business and Trade in college, it’s no longer so. Today, it’s a losing business concept for the US.

The fact US investment dollars are going to former third world countries to benefit their economies and creating jobs for them instead of in the US is bad enough. Further, these countries (China, Mexico) manipulate their currencies to keep an ongoing and artificial trade advantage. As Trump suggests, they play the currency markets like Candice Swanepoel plays the fiddle. China isn’t so genius at it though. They just demanded it.

I have to say that I’m saddened that Richard Branson invited Barack Obama to Necker island, and that he’s also asked the UK government to reconsider leaving the EU.  The UK has it’s own massive deficit, which deserves its own blog post. This picture tells it all. The UK had to leave the EU. Brexit was a survival decision not a new vision for the UK.

Game of Monopoly: China Won. Let’s Start Over Again

Graphic courtesy of Wikipedia

When free trade theory was idealized and touted strongly decades ago, they didn’t consider the effect of currency manipulation and the ongoing human rot that occurs with overspecialization. And they wouldn’t admit to where it would lead.




The game of monopoly is the same. Inevitably, one player claims everything. In the real world, countries make excuses for cheating and not being fair.  Worse, countries can specialize themselves out of existance. When countries have no options left, amidst cheating, it can lead to wars.

Choose Your Economic Theories Well

The economic theories of specialization and economies of scale works wonderfully, until the rising countries have all the investment money and a continuous way of beating the falling countries. If the free trade situation persists, countries like the US and the UK will continue to collapse. They collapse because their overspecialized workforce/businesses get caught in trade and technology circumstances, the same way an unemployed worker in Ohio or Michigan finds themselves suddently without a job through no fault of their own and their home is valued as worthless.

When countries grab up a monopoly on technology, distribution, investment flows, jobs, skills, education, etc., it’s unfair. Right now, Americans have limited job opportunities. And should an American want to be an engineer, or other high tech workers, they may have to move to Mexico or China.

Each country should have a well rounded economy for true economic health and prosperity

Some like the Democrats, want this situation to continue forever. The fact is, the skilled, sustainable, good paying jobs must return to the US, if only to pay the national debt.

Further Reading:  http://www.forbes.com/sites/mikepatton/2016/03/28/u-s-debt-is-heading-toward-20-trillion-where-its-been-where-its-going-and-why/

http://nationalinterest.org/feature/why-americas-debt-bomb-wont-explode-yet-12963

http://www.usnews.com/education/best-colleges/paying-for-college/articles/2017-01-31/3-student-loan-reforms-to-expect-under-trump

What are your thoughts on the jobs outlook for 2017, 2018, 2019, and 2020? Is free trade about to transition to fair trade?  Will the housing sector survive the fight with the deficit or is a housing crash inevitable? Is buying gold a good hedge strategy?

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Best US Cities to Buy Rental Income Properties 2018 to 2020

Hottest Cities for Real Estate Investment 2018

Which are the Best Cities to Buy Real Estate?

It’s a rosy outlook for the housing markets in America and anyone buying real estate. Prices have moderated, new city markets are catching investor’s attention. However do you know which are the best cities to invest in real estate in 2018

Do you have a strategy to buy in the best cities, use a property management company or use property management software to run your portfolio.

You’re just about set to make 2018 a great investment year. Have you looked at the forms of property investment should you choose — rental income suites, apartment buildings, or student housing reits? Open your mind the right type of property investment in the right city will outperform everything else.




Which cities and states offer the best employment outlook, lowest taxes, regulations, large millennial population, and a pro business climate? Florida, California, Michigan, Colorado, Miami FloridaBoston, Bay Area, New York , Massachusetts, or is it Ohio and Michigan?

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The most recent update on hot investment cities (average profit US-wide was at $336,000) for sellers still has San Francisco as the tops.  And San Francisco Sunnyvale San Jose might be tops due to high rental prices, lack of housing and land, silicon valley paychecks, and an improving economy means there’s no bubble and no crash possible.

But the Bay Area isn’t the only city with potential.  Dallas, Houston, Austin, San Antonio and Fort Worth are getting special attention these days. Texas is growing. Michigan has huge potential. Even Boston has potential. Businesses are relocating to these cities for a lot of reasons.

In this era of investment, the best property investments may be in other cities. Even if you intend to stay close to home, knowing what’s going on in other states might provide a superior return on investment.

As you may have read in my very popular post on US Housing Predictions for 2018 to 2020, the US housing market is hot and some cities are hotter than others. No housing crash is forecasted. The list below of the top 80 cities to invest in real estate represent your best opportunities for high returns. Even normally depressed quiet markets are coming to life and beginning to catch investor’s eyes. It’s good news for Michigan, Florida, California, Texas, and New York and even better for real estate investors in 2018.

Record Demand for Home, Condo and Apartment Rentals

The difference in this latest real estate rebound is the number of Americans renting and still needing to rent a home or condo.  That’s created the incredible income investment opportunity called rental income investment properties for passive income investments or self-managed property investments. 30% to 40% returns are not unheard of. It’s once in a lifetime wealth building. The kind of cap rates major investors can only dream of. Get some tips on how to do homes for sale searching better.

Just an aside on investment opportunities in condo/apartments is student housing investment in Vancouver. You may want to check out the underlying fundamentals and demand for student housing.

Scorching hot opportunity in the best cities! Will the hot markets of San Francisco, San Jose, Silicon Valley, Phoenix, and Los Angeles do as well as expected? Those cities with the highest home prices are not your only option. There’s plenty more towns and cities across the nation where you can buy rock bottom and sell high including this list of real estate by zip code.  Cities you’ll read about below with lower home prices and rising employment rates may be your best bets for 2017 to 2020.

One high performing rental income related opportunity to investigate is student housing investment in Vancouver. The student housing market in Vancouver is like no other place. Foreign families like Vancouver BC in Canada for many reasons. And the Canadian government is raising the limits on foreign students and on post grad immigration.  That means lots of demand coupled with high rents which translates to big profits. A company called CIBT has dominated this sector and is growing fast. You can invest with them like a REIT.

 

Sharing is Good for your Professional and Social Life!

Make sure others learn about the once in a lifetime opportunity in real estate investment with rental properties.

With strong economic growth as certainly continuing, rental income investment offers multiple ways to grow revenue. And your property may look even better to another investor when you sell. Lets see what the experts predict and what the stats say about the best cities and zip codes.




Renter Statistics:

  • Growth in rental demand was largest for people with incomes lower than $25,000; a group that accounted for four million new renters over the past decade.
  • Growth for people with household incomes over $50,000 accounted for 3.3 million new renters.
  • There was an increase of 1.6 million renters for those with incomes over $100,000 a year.
  • The amount of rental stock also grew, and the single-family house share of the market increased from 34-40% of the total rental stock
  • Vacancy rate was less than 5%  in 75% of the United States largest cities by 2015. 

Stats courtesy of go.homebay

Apartment and Single Family Home Rental Price Index
Price Index Screenshot courtesy of AMERICA’S RENTAL HOUSING: Expanding Options for Diverse and Growing Demand

Houses for Sale – The Ultimate Home Search Source

Share the Home Finding Machine — the ultimate source for searching for Homes for Sale anywhere in the US or Canada. Help your friends find their dream home!

Skyrocketing Home and Rental Prices in California are a Continuing Allure for Investors

In major urban areas such as San Francisco, Los Angeles, Oakland, Boston and New York, the demand for rental properties is skyrocketing. Investors might see ROI of 30% or more on rental income property and that beats any stock market these days.

Foreign buyers too, are purchasing lower priced homes now, likely because of high prices on luxury homes along with the fact they can rent them out — passive income which is a hot topic for babyboomers in particular. Realtors are seeing a much different type of buyer today and they need to keep up on how competitive properties are in other cities in the US and Canada.  Investors just want a great return.

Home prices are rising everywhere, but what makes San Francisco so hot is its lack of housing stock and a booming job market. Where there is little growth in new housing development together with a healthy job market and a good demographic (millennials who can’t buy) the demand for rental housing has to explode.




percapitasanfrancisoExperts try to explain away this demand by blaming speculators and high housing prices, yet the driver of rental demand in San Fran is too many employed people with nowhere to live. And wages are rising. Silicon Valley’s rental market is so tight, there’s an overflow to Sacramento and other inland cities.

In-migration has been strong at a time when millennials are leaving home, contributing to rocketing apartment and home rental costs. This is fueling the tremendous demand for investment income properties. With no one building new homes and the government not acting to help, it’s up to private investors to take the helm.

With crazy high ROI, we’ll see rental income investors and developers race into these regions to build new properties. It’s a great investment situation for Americans, investors and realtors.




San Francisco is one area however that might not benefit. Its strong economy is driven by large tech corporations that add value to imported technology and products manufactured in China. Which is why Silicon Valley is hostile to Trump. California’s economic outlook is still very bright, but it’s low potential rental income outlook could send investors over to other US cities to invest in, such as those in green areas in the charts below.

Rental Income Property Investment Opportunities

With or without Trump, the US economic outlook is good. The outlook for rental income property is exceptional. Realtors and investment advisors should be looking hard at this market. Even babyboomer investors are looking at the potential of retirement income. Many babyboomers are a little nervous about how they’ll fund their “stay put” retirement plans.

They’ll need extra income to stay put and revamp their home over the next 30 years, and they may look to rental income to get that money.  A percentage may just sell their home and leave it to a developer/investor to turn it into the multi-family unit. That investor might be you.

Here’s Realty Trac’s outlook on the best US cities to invest for rental property income

usheatmap-rental-roi

Complicating your investment decision is another set of statistics from Realty Trac that shows the west still has the highest returns currently but the green zones are predicted to perform better.

best-rental-income-cities
Screen capture Courtesy of Realty Trac

How about a 32% Yield on a Single Family Home?

best-rental-income-cities-by-revenue

(Screenshot above courtesy of RealtyTrac single family rental market reports)



Top 80 Cities and their Potential for Passive Rental Income ROI

These converted stats in this chart from Smart Assets are very insightful. They used U.S. Census data, to calculate the price-to-rent ratio in every U.S. city with a population over 250,000. This is their list of 80 US cities below with the worst potential for rental property income investment appearing at the top (The ones at bottom such as Detroit have better potential, unless employment fails to recover in Michigan).

US Cities with Population above 250k Price-to-Rent Ratio

Home Price

(for a $1,000 Rental)

1 San Francisco, California 45.9 551000
2 Honolulu, Hawaii 40.1 481000
3 Oakland, California 38.5 462000
4 Los Angeles, California 38.0 456000
5 New York, New York 35.7 428000
6 Seattle, Washington 35.1 421000
7 San Jose, California 34.7 417000
8 Long Beach, California 34.6 415000
9 Washington, District of Columbia 32.0 384000
10 Anaheim, California 31.3 375000
11 San Diego, California 30.3 363000
12 Portland, Oregon 29.3 351000
13 Boston, Massachusetts 28.7 344000
14 Jersey City, New Jersey 26.3 316000
15 Denver, Colorado 26.0 312000
16 Chula Vista, California 25.8 310000
17 Santa Ana, California 25.3 303000
18 Sacramento, California 24.3 291000
19 Miami, Florida 23.4 280000
20 Austin, Texas 23.4 280000
21 Atlanta, Georgia 23.0 276000
22 Colorado Springs, Colorado 22.8 274000
23 Bakersfield, California 22.5 270000
24 Raleigh, North Carolina 22.4 269000
25 Riverside, California 22.4 268000
26 Lexington, Kentucky 22.0 264000
27 Albuquerque, New Mexico 21.9 263000
28 Chicago, Illinois 21.6 259000
29 Henderson, Nevada 21.6 259000
30 Chandler, Arizona 21.5 257000
31 New Orleans, Louisiana 21.4 256000
32 Virginia Beach, Virginia 21.1 253000
33 Fresno, California 21.0 252000
34 Newark, New Jersey 21.0 251000
35 Minneapolis, Minnesota 21.0 252000
36 Anchorage, Alaska 20.9 251000
37 Phoenix, Arizona 20.3 244000
38 Louisville, Kentucky 20.1 241000
39 St. Paul, Minnesota 20.0 239000
40 Plano, Texas 19.9 239000
41 Stockton, California 19.5 234000
42 Durham, North Carolina 19.5 233000
43 Las Vegas, Nevada 19.3 232000
44 Nashville, Tennessee 19.1 230000
45 Greensboro, North Carolina 19.1 229000
46 Mesa, Arizona 19.1 229000
47 Lincoln, Nebraska 19.1 229000
48 Oklahoma City, Oklahoma 19.1 229000
49 Wichita, Kansas 18.4 221000
50 Charlotte, North Carolina 18.1 217000
51 Cincinnati, Ohio 18.0 216000
52 Aurora, Colorado 18.0 216000
53 Kansas City, Missouri 17.4 209000
54 Tulsa, Oklahoma 17.2 206000
55 Omaha, Nebraska 16.7 200000
56 St. Louis, Missouri 16.7 200000
57 Orlando, Florida 16.6 199000
58 Tampa, Florida 16.6 199000
59 Tucson, Arizona 16.3 196000
60 Philadelphia, Pennsylvania 16.3 196000
61 Dallas, Texas 16.2 194000
62 Laredo, Texas 15.9 191000
63 Columbus, Ohio 15.9 190000
64 St. Petersburg, Florida 15.8 189000
65 Fort Wayne, Indiana 15.5 186000
66 Baltimore, Maryland 15.5 186000
67 Arlington, Texas 15.5 186000
68 El Paso, Texas 15.4 185000
69 Indianapolis, Indiana 15.4 184000
70 Houston, Texas 15.3 183000
71 Fort Worth, Texas 14.8 177000
72 Jacksonville, Florida 14.3 172000
73 Milwaukee, Wisconsin 14.2 170000
74 San Antonio, Texas 13.7 164000
75 Toledo, Ohio 13.3 159000
76 Corpus Christi, Texas 13.1 158000
77 Memphis, Tennessee 12.3 147000
78 Pittsburgh, Pennsylvania 12.0 144000
79 Buffalo, New York 10.7 128000
80 Cleveland, Ohio 10.5 126000
81 Detroit, Michigan 6.3 75000




What About the Local Economies?

Last year’s report from Millken research reveals the cities with the best performing economies in 2015. This was put out in December 2016.  Florida cities are showing a marked rise. Recent reports focus on the apartment rental prices in San Francisco, Sacramento, and San Jose as offering outstanding returns for investors.

best-us-city-economies-ranking

And this is Millken’s list of worst performing cities, likely the ones you might avoid.

worst-us-city-economies-ranking

Screenshot courtesy of Millken Institute. Read the detailed  Millken 2015 Best-Performing Cities report with rankings by economic component. Excellent insight to help you fine tune your rental income property investment choices.

Their interactive map of US cities with the best economies below is a very helpful tool to help you measure the investment prospects of one city versus another.

Lowest car insurance in these cities: LA car insurance, Boston auto insurance, Phoenix car insurance, San Francisco car insurance, San Diego car insurance, Seattle car insurance, New York car insurance, Indianapolis car insurance, Detroit car insurance, Philadelphia auto insurance, Toronto automobile insurance, or Chicago car insurance.

In this video below, Mike Hambright talks about apartment rental markets, and how to make money from cash flow and property value appreciation.




Are There any Warnings?

This graphic from Coreglogic warns about overheated city markets. Yet it also shows how markets like Silicon Valley, actually has lots of room for rent rate growth. And New York has the lowest rent rate to home price ratio.

Screenshot courtesy of Corelogic.com

There are so many real estate investment opportunities in the US and in Canada too. Hopefully, my amateur US housing forecasts, predictions and unguaranteed advice will help you find those opportunities for the best upside in cash flow, safety and equity appreciation. Be careful with any investment. Do your due diligence.

If you’re a realtor or real estate investor in Los Angeles, San Francisco, San Diego, Toronto, San Jose, Seattle, Chicago, Boston, New York, or Miami consider my Digital Marketing Services to help you build your realtor brand and and leverage the best sources of real estate leads.  Property investors from around the world are looking to buy. Because I’m an SEO specialist, I can generate real estate leads much more proficiently than lead generation companies. I can help you build a compelling unique value proposition and the highest exposure possible to homeowners and buyers across the US and Canada.  Let’s get your goals accomplished.

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Real Estate Investors Huge Impact on the Economy

The Net Benefit of Real Estate Investors – $9 Billion!

A joint survey by Bigger Pockets and Memphis Invest revealed some fascinating insight into the attitudes of real estate investors and their impact on the US economy. They concluded in their 2014 report, that 28 million real estate investors have a $9 Billion+ effect on the economy. The survey results are displayed in the infographic below.

This really is timely and newsworthy. The numbers in 2017 might be even higher. Add investment in new multi-unit rental property and commercial real estate and the numbers are astonishing. If money begins leaving the stock market and pours into the housing market, how will this affect your own best investment picks?





In the past ten years, investment has been focused on electronic technology and software and with that, the US economy hasn’t fared well. Housing is something the US has always done well and it looks like the general population is about to get wind of this fact.

The spin off investment in furniture, appliances, home servicing, renovation, new school construction, new retail establishments, and more creates jobs in the US and further investment within the US. Is Donald Trump ready to capitalize on this basic and proven economic process? Quoted in a Bloomberg report, Robert Shiller says the US could be in for boomtimes and that means lots of new developments and higher home prices.

From Los Angeles to New York to San Francisco, a healthy housing market could soon boom and you’ll want to discover the best ZIP codes for real estate.

Perhaps this is the signal we need to put more investment dollars into real property, whether for buying as an income property investment or in new homes to live in. This infographic offers some excellent insight into investor profiles, risk tolerance, rental price predictions, and more.

Infographic courtesy of Bigger Pockets and Memphis Invest

Trump: Responding to the Housing Crisis

It’s hard to argue that there is a housing crisis across the country. Even in Canada, with its limitless supply of land, there is a housing crisis too. So we know there is and was something very negative that has been suppressing investment in real estate in North America. This could be about to end with the Trump era.

It’s still uncertain as to what he intends to do, and he probably hasn’t decided what to do. It will all play out in real time. Investors, governments, builders, renovators, realtors, and mortgage agents will have learn, react and plan on their feet. So, it’s an exciting time where everyone will have their values and understanding of the economy, housing market and real estate investment wisdom challenged.




There will be some big failures in the coming years too as Trump further drains the swamp. Old and young investors alike will find the new, clean swimming pond frighteningly responsive and hazardous with all-new predators and regulators. They all want a piece of the housing pie too.

Related posts: Housing Market Forecast | San Francisco Apartment Rentals | New York Real Estate Report | 4K Real Estate VideosReal Estate Agent Search | Rental Income Investment | Low Mortgages | Car InsuranceLos Angeles Housing Market | Toronto Housing Market | San Diego Housing Market | Real Estate Agents | Blockchain Real Estate Opportunities | Toronto Real Estate SEO | Vancouver Condominiums | Toronto Condos New | Vancouver Housing ForecastDigital Marketing for Realtors | Real Estate SEO | How to Choose a Real Estate Agent | Homes for Sale

Is 2018 the right year to buy rental income property? Which are the cities with the best return: LA, San Francisco, San Diego, Seattle, Phoenix, Denver, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Charlotte, Tampa, Jacksonville, Miami, Orlando, Toronto, Vancouver, Anaheim, Beverly Hills, Malibu, San Bernardino, San Jose, Fresno, Santa Clara, Sacramento, Mountainview, Palo Alto, Portland, Washington, Atlanta, Nashville, Sunnyvale, Salt Lake City, Riverside, Rancho Cucamonga, Costa Mesa, Oceanside, Carlsbad, La Jolla, Escondido, Riverside, Hartford, Raleigh, Albuquerque, Glendale, Long Beach, Huntington Beach, Kansas City, St Louis, Stockton, Scottsdale, Indianapolis, Columbus, Fort Worth, Chula Vista, Escondido, Santa Monica, Miami Beach, and Honolulu.

Why SEO is Still the King of Digital Marketing

Customers Looking for Your Product/Service

SMB owners have 3 key digital marketing vehicles to generate new traffic and sales prospects: Social, PPC, or SEO. SEO doesn’t have the ongoing costs like PPC does. Searchers click on the natural search listings and you aren’t charged a penny. SEO has the reputation of zero cost, high revenue, however it does have a cost. It’s an equity investment cost that creates excellent returns over and over.

When you compete in SEO, it necessitates competing in content and conversion strategy. SEO traffic is the truest indicator of customer attitudes and preference. That’s excellent feedback.  Optimization isn’t just keyword manipulation then, it’s optimizing the whole process of converting these excellent prospects are actively seeking solutions.



Discover the Top 12 Factors for creating top rankings and big traffic.

ROI is difficult to measure and very often SEO isn’t given credit for the full value it generates. You’ll find your direct traffic increases along with your Google referals.  Google doesn’t track referals very well, but we know most direct visits are actually Google visitors.  Despite that, a few surveys show marketers do believe SEO underpins their success.  When you consider the lifetime value that SEO produces, it is clearly a great part of any sustainable marketing effort.

Kiss Metrics conducted a study and this graphic shows that sales are attributable over a certain time period. Tracking over many years is more difficult because tracking cookies get deleted. A top notch tracking system lets them track revenue back to the keyword phrases typed in by customers.

KM-Revenue-Search-Terms

leadgenimpact

Why is SEO Considered Most Impactful to Sales?

bottlePeople search when they’re highly motivated and interested. Google searchers feel they’re being given the best sources for information and products and they’re on track to fulfillment. What Google knows is that search is like selling a bottle of water to a desperate, thirsty man in the desert – at the right time and place to get the best price. SEO is responsible for getting products/services exposed at the specific time customers most want to see them.

Think of how Coca Cola is everywhere to quench our thirst. This post describes how SEO is key to an omnipresence strategy that increases the value of PPC and social media.

Speaking of omnipresence, my national hotel client needed help with Google local rankings and in regular organic search rankings. I lifted their Google traffic from 1.2. million visits per year to 2.5 million visits.  And I didn’t ask them to divert funds from their PPC campaign to organic search. I regret not being more assertive when in fact, my plan would have created much more benefit for them. Yet, no need to regret. They received incredible value for what they spent and as well, gave their competitors maximum hardship.

More than Keywords: SEO + Content Supercharges your Digital Marketing

In B2B marketing SEO is by far the most efficient from of promotion. To not do SEO is leaving a lot on the table.  And by encouraging interesting and relevant content, SEO actually improves the performance of social media leads and ppc advertising leads. The spirit of SEO is an important driver in healthy digital marketing. PPC has no soul.

Google recently made some changes to Adwords because sales conversion has plummeted. They recently launched their band aid program called “smart goals” to help customers improve their poor conversion rates. The bigger problem is that PPC is a cheapskate’s ad tool. Adwords is all about getting something you didn’t deserve, and all too often the ads aren’t relevant. The top issue now is that advertisers have no money left for high quality engagement and conversion. It’s all down to a single minimalist landing page. Similarly, advertisers avoid social media as well.  Now they’re stuck in PPC Hell.

That’s why doing PPC, email, SEO, and Social Media together in an integrated or Omnichannel strategy works best. Each channel supports the others and is able to create a variety of touchpoints with prospects in any industry.

Building more useful, relevant, engaging, and sharable content helps support your outreach and link building efforts. If you rely on one channel (e.g. Adwords) you won’t generate enough natural touchpoints with customers. Especially in B2B where purchase cycles are longer and highly involved, these multiple channels keep your company top of mind. And they give prospects multiple angles on your business. If your UVP message and branding is consistent, omnichannel can really make a strong impression. Omnichannel is where successful companies are headed. If you’re not there, you may be drowned out in all channels.

The Searcher Likes the Organic Search Experience

A search is a quest or an exciting adventure to find satisfaction. Searchers enjoy the control that Google organic search provides which other media don’t provide. SEO can lead to so many sources of satisfaction including a trip into social media. As a business serving customers, you should have very relevant, high quality content since it’s the essence of their search, whether it’s new home floorplans, neighborhood profiles, or maybe a retirement home in Central America and the medical services available there.

ppcpricesTake a look at these Google Adwords PPC per click prices on insurance related keyword phrases. The most expensive keyword phrase is mesothelioma lawyer at nearly $300 per click.

Even if your clicks cost $5 and you convert 1% to a sale, your cost is $500 per customer acquisition.  1% is an excellent conversion rate for most sites with a good value proposition.  Yet conversion rates are falling because consumers are shopping around for the solution that matches them best.  Your prospects have more options even if those options are a fool’s paradise. Your plan now has to be about getting them back after they’ve been brainwashed and misinformed by 10 other competitors.

 

SEO is Complex

SEO is a process of creating and shaping content on your website, blog, or social media pages which Google will deem useful to searchers.

It’s also an active process of engaging with other web publishers and encouraging them to share your content.  Good Value + Distribution + Persuasion = Viral Success. I have to tell you though that you can go viral without any SEO success.

8 Keys to SEO Success

  1. Seek deep, thorough customer research – customer pains, UVP, and web analytic insights. An SEO must understand the company’s marketing goals, UVP, branding, target customer, industry dynamics, and how targeted customers can be reached and engaged.
  2. Do Thorough accurate useful keyword research – discovering relevant keywords and keyphrases to target. This is normally done via Google keyword tool and SEMrush keyword tool and Google analystics. Keywords, related words, and topical themes are woven into content in a sophisticated way (in headings, in links, near links, and in how paragraphs are constructed) and the messaging used determines how other web publishers will provide links and citations about your company. It’s all in the SEO’s hands.
  3. Create Imaginative, fresh content – this is where plenty of reading, web surfing, social surfing, and brainstorming exercises come in. Your SEO needs freedom to explore, surf and opportunities to connect with influencers.  An SEO/content developer needs to be active and a big consumer of content themselves.animated
  4. Well Planned Content infrastructure –  Googlebot, which is Google’s anxiety causing indexing robot actually experiences your content too. How it navigates and understands your content and its quality is solved with a well planned layout of themed content.  Your content is for users, but you need to recognize how a robot interprets what it collects. A subtle but expert optimization gives Google the right picture but also avoids spam filters. Moderation is important but don’t shy away from pushing the envelope. The key is whether Google trusts your site. If trust is good, you can optimize all you like.
  5. Integrated social media engagement – Although most businesses only utilize two or three social channels, they must coordinate social messages to capture attention, bring engagement to critical mass and then encourage an action. This is where understanding the customer’s emotions and how to appeal to them is important. If social visitors like your content, they will share it, and that creates more valuable inbound links to your site.
  6. Mobile consumption –  B2B and B2C customers are using smartphones and tablets more frequently. Mobile content is delivered differently because of the limited bandwidth and customer attention. No one reads long on their phone, so mobile content must be brief, fast loading and impactful. Being mobile friendly isn’t enough. Google is watching whether your site sucks for mobile users and your rankings will fall if users aren’t engaged with the content or leave fast.
  7. Aggressive outreach campaigns – Google is dependent on inbound links to determine trustworthiness and keyword relevance. Web publishers and bloggers and tweeters aren’t necessarily motivated to say anything about your product/service/company or link to your web site. A campaign of connecting with them, especially key influencers, and engaging with them can generate big ranking and traffic results. And, they will want valuable, helpful, popular content to share and promote, so your content developers must create fascinating, compelling copy, stories, graphics, videos and comments that impel them to share it online. It is other people who make your business successful and outreach makes you appreciate that fact.

The success of SEO usually comes out of good knowledge of your customer and a desire to create good content experiences for them. Google will recognize when your content is “HOT” and whether you are converting those visits to sales.  Heck, they can see everything.  Forget about cheap PPC and email tricks and put an honest effort into SEO. I’ts the only approach that’s sustainable.

These 7 essentials of SEO help you understand what really still is the core of omnichannel marketing.  SEO is still a dominant channel for any digital marketing strategist. Contact me if you’re a mortgage agent, insurance broker, or lawyer. I can connect you to leads.

 

A much desirable alternative to hiring an agency or in-house college grad, is to hire a dedicated digital marketing strategist from Toronto Canada. As an 18 year veteran digital marketer, I offer the best possible digital marketing advice and have consulted with companies in Los Angeles, Boston, Vancouver, San Diego, Dallas, Denver, and Phoenix.  I can help you compete head to head with realtor.com, homes.com and remax.com. As an experienced and versatile digital marketer, I can help build your knowledge of SEO, Social Media, and content marketing. I build impressive, qualified traffic via high quality, relevant content and outreach strategies. Let’s get started!

21 Success Tips for Top Selling Realtors

BIG Kahunas Lead — And Make a Lot More Money

Millions of realtors, mortgage agents, new home builders, custom home builders, dentists, insurance brokers, architects, medical specialists, and vacation resort managers are all competing to be the Big Kahunas of their markets. Some will, and from humble beginnings.

The title graphic is courtesy of Inman. In the US, almost 10k agents had at least one transaction per week, or at minimum $20M in sales.

What do these BIG Kahunas do that sets them apart and launches them into continuous success?  They:

  • establish an unbeatable/incomparable unique value proposition
  • find the right clients, customers and business partners
  • find the best mentor
  • get the funding required
  • make their clients very happy
  • go all out to make their client successful
  • help their client learn
  • take the burden and pain away from their clients
  • think creatively, innovatively and persistently to solve client’s problems
  • strive persistently to become the BIG Kahuna in their market
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Lead in everything you can

Here’s 21 Big Kahuna Success Tips

  1. Visualize your customer –  Yes, think about who you’d like as your clients and build your marketing to capture those exact prospects – dig into their lifestyle and dreams
  2. Build a great digital content strategy as the foundation of your  marketing strategy — do this strategically so each channel drives the other simultaneously (omnichannel)
  3. Build inbound content that’s interesting, informative and sharable – this builds excitement into your brand image
  4. Build one very strong niche – such as ecology-mindedness, tax reduction, technology, entrepreneurialism, health, local sports, business trends, job trends, education, etc — whatever subject you believe will make your agent brand stronger.
  5. Advertise in local news flyers/sections have good reach to homeowners and buyers
  6. Advertise via Facebook, AdWords, and Linkedin ad platforms using excellent advertising techniques
  7. Design a new MLS fed website – look at the benefits of my real estate website development services.
  8. Rewrite your listings – using verbs, brand names, and desirable new product names – make it sound elegant
  9. Accelerate your leads through your sales funnel – use high quality digital content they like and need. answer key questions, build desire, and indicate fulfillment is just ahead.
  10. Build a great social media brand image — it makes you look good and builds trust!
  11. Use Facebook to build likability and engage prospects with fun, practical, entertaining material
  12. Use your successful website to attract and partner with other agents
  13. Create original and valuable stories/statistics/events for reporters/bloggers to talk about
  14. Use your linkedin account, plus your own prospect search to connect with investors, agents, and professional people who may need to buy or sell
  15. Use an email strategy to build prospects into your inner circle
  16. Be Generous  –  Do lots of good deeds – refer business, compliment, promote, offer help to your prospects with any issues they’re having, and set a tone of giving
  17. Be Awesome — this means being yourself but extending your sphere of interest to touch prospects dreams
  18. Stop thinking negatively — there are no limitations, only an abundance of leads and sales – create your own leads
  19. Take a vacation – Get Fresh! – you can’t lead if you’re depressed and worn out.  Get away from the source of your stagnation or low productivity to refresh or renew yourself – wipe the hard drive for a fresh, new, strategically effective start
  20. Use interesting apps such as Hyperlapse to create interesting videos to showcase your homes/condos/neighbourhoods.
  21. Hire a creative/innovative digital marketer with a winning program just for you

 

Building and maintaining a leadership position in your market requires professional help. How many helpers do you need?  Start with one, but pick someone who is awesome.  If they don’t add tremendous value, you’re wasting your money and time.

Gord Collins has been a leader in San Diego SEO, Montreal, Los Angeles SEO, San Francisco SEO, Vancouver SEO, Boston SEO, and Toronto SEO for 18 years. Your SEO strategy is in good hands.

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Top Real Estate Agents: In any Market be the BIG Kahuna

Market Kahunas Draw the Best Leads Possible

I was driving by a familiar area in town one day and noticed that a large 14 acre ranch was up for sale. Right in the heart of my town. Very rare and valuable land. I wondered how many millions it would go for in the market right now.

The For Sale sign was from Daryl King, a top millionaire realtor in this area (he has a small army of 34 agents working for him now), at least tops in selling high value properties (a great niche). The property owner has many other superb realtors to choose from, however they chose Darryl King, one of the top real estate agents in North Toronto.

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This happens frequently in other areas of business where people choose whoever they think is the “BIG Kahuna” in the market. It’s probably why Donald Trump sits on a mountain of cash. Despite his horrible personality, real estate executives want to work with him.  When the idea of selling a luxury house comes to mind, so does Daryl King’s team.

It doesn’t seem to matter whether they’re like Mother Theresa or Genghis Khan, the BIG Kahuna’s get the business. More people are drawn to who they believe is the top dog, rather than choosing someone who is more in line with their true interests and situation. BIG Kahuna’s make the most of wide visibility, authority, and opportunity. They leverage everything from advertising to partnerships to after-sales support to ensure everyone believes they are the best and will get them the best price.

BIG Kahunas pursue marketshare, aiming to monopolize any market they can.  And monopoly, arguably, is the goal of most millionaires. Of course, excellent branding and marketing can help move toward a type of uniqueness that is monopoly. By hiring me, you are very likely to dominate your city market. Be the BIG Kahuna.

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Show You Believe what They Believe

Foremost in the matter of choosing the BIG Kahuna is the belief they’ll ensure success via their network, skills, or marketing power.  So begin to develop a BIG Kahuna image yourself and they’ll believe in you. Good incentive to brush up on brand image strategy.

It’s one of those buyer core beliefs worth looking closely at. Simon Sinek says people will buy from you if you believe what they believe. Big estate owners believe Darryl King  has similar values and beliefs, and he is singly most able to get that extra one or two million dollars, and that he might be networked with multimillionaires. Maybe he isn’t.

Buyers and sellers believe the BIG Kahuna has the connections, selling power, persuasiveness and klout.

The BIG Kahuna removes the fear and paves the way to a big sale price. Big Kahunas seem to get rid of all the pain (okay, it’s the Witch doctor that actually does that:)

King has been a top real estate agent and broker for a long time and of course over the years has built a lot of connections whom he has likely groomed. And he has 34 realtors on his own team — a telling sign of a BIG Kahuna.

Sam McDadi sells over 700 homes a year. That tends to create some believers in the BIG Kahuna
Sam McDadi sells 2 homes a day. That tends to create some believers in the BIG Kahuna

In Vancouver, Merrily Hackett is the BIG Kahuna in a market with plenty of top earning real estate agents. Every community has its top dog. The huge opportunity for you is that you could be the BIG Kahuna of your market. All you have to do now is dominate the digital marketing space!!

And a lot of what is digital marketing today is barely understandable as marketing anymore. It’s social word of mouth, being found, being helpful, and building personal connections, and supporting important causes. In the realm of high priced real estate, Adwords, Facebook, and Linkedin Ads are used more to dry up opportunities for competitors.

As an agent you need to be thinking about how you can leverage digital marketing to extend your personal reach and strengthen your personal connections. It’s the perfect high definition medium to marry your beliefs to your prospects and clients. It’s all about shaping belief.

The first order of priority is to have me assess your site and give you ideas on how to position your business online and use digital marketing tools to begin your ascent to the top.  I’ve helped clients worldwide from San Diego, San Francisco, Los Angeles, Vancouver, Boston, London UK, to Montreal and Toronto. Use the lead generation companies or build your own empire.