Work out what bond you as a Purchaser should qualify for

Work out what bond you as a Purchaser should qualify for

The loan amount you can qualify for is limited by your monthly income and by your total disposable income. Only 30% of your income can be used to pay towards a home loan.

The National Credit Act has taken this one step further and banks are now required to ensure you have enough disposable income to support a bond repayment.  Thus the way in which purchasers are assessed has changed.

To work out how much you qualify for:

Calculate 30% of your monthly income:

ie: R30 000.00 per month will be R10 000.00 – the bond amount would be limited to a maximum of R10 000.00. You will then have to list ALL your current expenses, including fuel, petrol, school fees, etc and prove that you can in fact actually afford to repay R10 000.00 per month back.

If after ALL expenses are deducted, you are only left with R6 000.00 then a bond with a repayment of R6 000.00 is all you will qualify for even though it is less than their 30%.  Also remember that the bank looks at your credit record – do you pay your accounts on time? Are you black listed etc.

The good news is that if you are currently paying rent – this amount is added to your disposable income.

The Important Aspects Of Network Marketing Opportunities

The Important Aspects Of Network Marketing Opportunities

It’s a very important aspect of many people, and it’s often why some people jump to get involved in Network Marketing companies. A good compensation plan can make or break a business. Some Network Marketing companies try to hide a poor compensation plan by front-loading the income or paying you big bonuses up front, but you don’t have a lot of opportunity for residual or repeat income. Other companies have great remaining compensation plans, but they have them so far out in the future that the average distributor quits before they can reach it.

  1. The Growth Potential

In the Network Marketing industry, there are hundreds of new fad companies that are here today and gone tomorrow. That’s not to say that some newer companies won’t last but factor in the other areas I’ve mentioned to determine if this is a company that is built to last. What other companies and entities are aligning themselves with the company? If you can answer all of these positively after properly researching a group, then you’ve probably found the right one.

  1. The Ethics

The final aspect to keep an eye on with any Network Marketing opportunity is the company’s ethics and integrity. You will often find companies that have distributors that are all about money and just want to get you in for the quick sale but aren’t truly sponsoring and guiding a new distributor. No one wants to align themselves with anyone who has poor or questionable business practices. If you feel like you have to call your or the companies morals into question regularly, then it might be a good idea to stay away from the company. You want a company that is true to their word, and it is echoed through their leadership and their distributors.

Network Marketing or MLM (multi-level marketing) is the fastest growing method of doing business in the world, it boasts a Billion Dollar turnover & is operated worldwide. It has lots of high-profile fans including Donald Trump & the late great Jim Rohn. There are lots of companies using MLM to distribute their products & services, so if you are thinking of joining an MLM company how do you choose the best one for you? You are more likely to succeed in promoting products or services that you have an interest in, as it should be easy for you to get enthusiastic about your work. The best way for you to choose the type of Network Marketing company to join is to try the products & services for yourself. Find a company that supplies a product or service that you like then look into becoming a distributor or agent for that company.

Do you have a sales Background?

If you answered yes to any of those questions, then you will more than likely fit straight into Network Marketing. However, success is certainly not guaranteed. Many salespeople who join MLM companies fail simply because they try to “sell” the companies products or services, the problem with this method is that people do not like being sold. Explaining the benefits of the companies products or services is better than trying to sell them, there is subtle difference & if you can master this, then you will do well.

Opportunities Available For Marketing Agencies

Opportunities Available For Marketing Agencies

If you’re new to the Network Marketing industry or a seasoned entrepreneur looking for an opportunity, there are a few areas you should focus on when evaluating a company. I’m going to give you the six most important areas that should factor into your decision to get involved with a Network Marketing company.

  1. The Leadership

Start at the Top, Who are the founders of the company? Are the top leaders in the company accessible or unreachable snobby recruiters? If you can’t get any access to a leader that’s generating the type of income or position you want to reach, then it might not be the company for you. What is the leadership’s and company’s philosophy? Could you go to any marketplace that company is based and find training and leadership that is consistent with high quality? You’ll find that leaders in Network Marketing companies are very engaging and persuasive which can be a good thing. It’s easy when you first take a look at a Network Marketing company to get caught up in the strong nature of the leader and the excitement but take a step back and see if that’s a person you ‘d like to follow or if they’re all smoke and mirrors.

  1. The Product

The second question you should ask is about the quality of the product. You want a product that has four things: of high quality, adds value, reasonably priced and highly consumable. Now there are a few ways that a product could be high quality. If it’s a product that’s ingested, like a drink or vitamin, you want to make sure that its safe, nicely packaged, and that the product does what it claims to do. The quickest way to lose customers is for a product not to deliver on its claims. Next, you want the product to add a lot of value. If it’s a service, then the customer should feel like they are getting more than their money’s worth with each use. If a Network Marketing company is offering a product or service that provides a lot of value and is high quality they’re on the right track.

If a company is going to be charging premium pricing, then a lot of value needs to be added to the consumer’s experience. Keep in mind how the company prices their products compared to the consumer’s experience. Companies that offer the most bang for your buck should be at the top of your list. Is the product something a consumer only buys one time or is it something they will consume habitually? If it’s some weird potion, your customer is just going to take every time they remember then it’s probably not a product that’s going to be often consumed or provide you with repeat income.

  1. The System

There are two aspects to evaluating a company’s system: How easy is it to follow and can it be duplicated. It’s the same in Network Marketing. This should be easily answered in any good Network Marketing company. Can a new person look at the system and think “I can do that.” A complex system makes it difficult for a new distributor to have early success and discourages them which increases their rate of failure and in turn quitting.


Various Method Utilised By Marketing Companies

Various Method Utilised By Marketing Companies

Normal marketing firms utilize different methods to draw in customers’ attention. They focus on standard media channels, consisting of tv, radio, live occasions, and progressively digital channels. Digital began in the 1990s as an internet-focused marketing channel, however, has broadened over the last few years to consist of in-game marketing, and in particular, mobile marketing.

Marketing firms identify initially by their concentrate on the handset, or, the cellular phone, as it is understood by a lot of customers in the United States. Lots of marketing firms profess to focus on mobile, not all do so in the most reliable method.


Similar to other marketing channels, marketing companies differentiate by the power of their imaginative. Not all mobile marketing companies will bring their imagination to the table. However, all must meet a minimum of having the ability to assist brand names to customize their innovative – messaging, style, amusing, and so on – to the mobile platform. Customers experience marketing and advertising messages differently on mobile phones, so an understanding of the handset-based user experience is important when chosen a mobile marketing company.

In-game banner marketing on mobile gadgets is ending up being significantly typical for totally free variations of applications. Aside from the apparent reality that in-game banners on mobile phones are far smaller sized than they are on PCs, customers likewise frequently have far less time to see them.

Mobile marketing companies identify by their understanding of efficient methods for catching customer attention and producing click-through even with the minimal impression time that features lots of mobile positionings.The world of mobile marketing is broadening quickly, and the innovations associated with effective techniques

Wireless, CDMA, GSM, 3G, 4G, and numerous other procedures are now the standard, and wise phone platforms have broadened from BlackBerry to the iPhone and Android. Great mobile marketing companies identify their capability to establish marketing and applications throughout platforms, for the iPhone, iPad, and Android, and even Blackberry. Companies that can not assist customers and brand names release projects on numerous platforms restrict their reach from the start.

Mobile marketing is reasonably brand-new, so it is not constantly as simple as it is with other channels to collect required impressions, form brand-new objectives and reach them. Excellent mobile marketing companies will work with providers, application designers, and anybody else in the mobile worth chain to match important group and psycho graphic realities to their advertisement impressions.

The designer of a specific mobile video game will typically have great market information about the consumers who download it, and a great mobile marketing company will ask for and utilize that information when making media purchase suggestions to its customers. Accounting management consulting services for net workers who hire people are different.

Eventually, mobile marketing companies are likewise identified by the discipline and capability that identifies excellent standard marketing companies – a strong understanding of and adherence to the marketing funnel. The platform in some cases is brand-new, and the screen is smaller sized. However, the principles of marketing have not altered – a quantity of impressions will transform to amount of clicks, and quantity of clicks will transform to a variety of purchases.

The Importance Of Marketing Companies

The Importance Of Marketing Companies

When you wish to boost the promotion of your online service, you might discover it crucial to utilize the guidance provided by an internet marketing company. It is important to discover a reliable marketing company by thinking about specific qualities present incredible online marketing firms. These consist of the following:

Social Network Footprint

Lots of people utilize social media networks such as Facebook, Twitter and LinkedIn and these websites affect purchasers significantly. You can inform a company’s know-how by thinking about if it can promote special understanding through social networks and formats. That can reveal you whether the internet marketing firm can match the info intake choices of a variety of prospective customers.

Encouraged Staff members

The very best internet marketing firm is one that welcomes and motivates determined workers to reveal their concepts and know-how. It makes sure that no skill is misused. Staff members who are empowered and deal with strong management in the firm are extremely effective.

Excellent Customer Reviews

When looking at marketing experts, you will constantly desire to understand how previous customers have ranked the marketing company you are interested. It is more effective to pick a marketing company that has great customer reviews.

Market Wards

There are numerous awards in the digital marketing area. If you discover that a marketing company has gotten many awards, you can be sure that it can supply you with the very best internet marketing services. It is likewise possible that such a firm has been priced quote by the media.

Innovative marketing

An excellent company understands ways to use marketing to your benefit. It guarantees that it markets in all the locations where your target market seeks for reliable details. When utilized well, online and offline innovative marketing can do marvels specifically if you execute it with a strong social networks marketing or editorial program.

Effective frontline personnel

It is vital that a firm has effective personnel habits when it concerns responding to phones, networking online and offline and speaking with potential customers throughout conferences to name a few things. That can have a huge excellent or bad impression on possible customers.

Participation in industry association

Business can reveal that its level of dedication is high if it is associated with an association. A company that is associated with setting standards, market requirements and training programs can set it apart and provide a sign of its proficiency.

The workplaces of the company

Despite the fact that web marketing business operates on a virtual basis, the majority of them preserve physical workplaces. These workplaces can provide the impression of the design, health or character of a company.

Word of mouth

To construct favorable word of mouth, a company needs to at first carry out great. The internet marketing firm that you select needs to be one that makes it simple for you to hand down the bright side of your business or makes certain that your reviews are promoted correctly.