Boomers In The Work Force

If you follow the baby boomer demographics and you are a baby boomer (born between 1946-1964) you begin to wonder about a lot of things because the numbers are staggering when it comes to our generation. We are 76 million strong. (39)They numbers say that 64 million baby boomers (over 40 percent of the US labor force) will be eligible to retire in large numbers by the end of the decade. Statistics also show that the average retirement age today is 63 because baby boomers are staying on the job longer, either by choice or because they need to stay employed. (57)The increase in retirement age from 55 to 63 represents a trend for baby boomers and requires a change in our culture to recognize that retirement age is an arbitrary number and must be adjusted to respect the choice many make to stay in the work force. (45)As a society we must change our vocabulary and shift the paradigm that life begins to decline once a person enters the fifth decade of life, to life for many is just getting started in the fifth decade. If we replace the word retirement with “transitional phase”, for example it creates a different image in our minds and leaves more room for individual design of that phrase rather than a “one size fits all mentality”.(75)The word retirement leaves no room for variation on that theme in terms of employment and it is very cut and dry… either you are working or you are retired. Why can’t employers work with employees of retirement age to develop a transitional plan that allows the worker to remain productive and the employer to continue to benefit from the knowledge and skills provided by the experienced employee? (68)

Video Marketing – Trump the Competition and Win New Customers In No Time

As a savvy marketer, you’re always looking for an edge. Competition for customers is keen. You need to generate leads, build your brand, and promote your products and services.

Fortunately, online video marketing helps you do that. And when it’s properly integrated you’ll see results in a zip.

Simply put video marketing works and now ranks as the sixth most popular content marketing tactic. Seventy percent of B2B marketers create online video.

Let’s examine five compelling facts about online video marketing:

Fact #1: Online video marketing is exploding

To say that video marketing is growing is an understatement. Its rate of acceptance and adoption is remarkable. Alexa, for example, ranks YouTube, as the third most popular website in the world. In just the U.S., YouTube has over 189 million unique viewers.

But effective marketing must be targeted. For B2B marketers that’s not a problem. Today, 83% of senior executives watch more online video than last year, according to a survey by Forbes Insights.

This means you can achieve greater exposure. More viewers – viewers that matter – lead to more customers. And more customers lead to more sales. You won’t have to explain this to your boss.

Fact #2: Online video marketing is versatile

One reason online video is so popular lies in its versatility. Marketers can use online video to repurpose other marketing materials such as white papers and case studies.

Also, marketers can promote their products and services using a fresh delivery method that informs, educates and even entertains prospects.

Internet videos can be found in e-newsletters, blogs and websites. And prospects and customers can subscribe to them as RSS feeds.

Let’s not forget social media. Videos abound on sites like Twitter, Facebook, LinkedIn and Google+, to name a few.

Versatility translates into extraordinary marketing power. Video introduces a new way of communicating. It enhances existing marketing platforms by bringing them to life, such as email marketing.

This uncovers a sea of new consumers who perhaps wouldn’t “read” your content. Viewing videos is faster and in many cases more preferable to reading text. Now you’re reaching a wider audience.

Fact #3: Shareability is fast and effortless

In the same Forbes study mentioned above, 54% of senior executives said they share

videos with their colleagues every week. A slightly greater percentage, 59%, says they receive work-related videos.

Again, these statistics show that online videos are highly shareable. More important to B2B marketers is that decision makers share and receive these videos.

The future for sharing videos online is bright. The data suggest this trend will significantly increase. Younger executives share videos at much greater rates. While 47% of all executive say they post videos to social networks, that percentage increases to 69% for younger executives.

Fact #4: Video Search Engine Optimization Extends Reach and Access

Search engine optimization work wonders for textual content. And it works especially well for videos. As with text, video content has to be useful. Relevant and valuable content attracts prospects.

For videos embedded on your website, you can optimize videos by including keywords in the title. And use those keywords in the description.

On YouTube you have three opportunities to add keywords. A form pops up that includes fields for the title, the description and tags.

Optimizing your videos makes them easier for your target audience to find. Keep those senior executives in mind when optimizing your videos.

Fact #5: Internet Video Achieves Great Impact with Low Cost

By now, I’m sure you agree that video marketing has great impact. It reaches millions of viewers, depending on the platform you use. Its shareability is instantaneous. And it does a good job in reaching and attracting your target market.

Video drives action. According to a Forrester report, click-through rates easily double and even triple when inserting video into emails.

Michael Miller, author of The Idiot’s Guide to Video Marketing estimates that a business can invest as little as a $1,000 dollars to develop quality videos. Some businesses may not need an investment at all.

Round Out Your Marketing Campaigns with Video

If you haven’t already integrated videos into your marketing, consider adding it now.

You can easily rev up your lead generation and branding by adding online video to your marketing mix. Video has many advantages with no obvious downside.

It adds another dimension to your marketing content, while expanding your prospect universe. More viewers lead to more conversions. More conversions lead to more profits.

It’s fast. It’s affordable. Most importantly, your customers love it.

3 Tips To Make Sure You Avoid Foreclosure At All Costs

After the recent real estate boom in Texas and nationwide, there are many homeowners concerned about lagging property values, spiking mortgage payments and the economy in general. When the dream of homeownership is threatened by the possibility of default on a mortgage, Texas homeowners have avenues available to them to avoid foreclosure. Here are three things you can do to avoid foreclosure of your Texas home.

Know your refinance options.

If you have an adjustable rate mortgage or interest-only mortgage, you can and should plan for the time when your payment “adjusts.” It’s usually going to be much higher than your introductory payments.

But it’s not a good idea to count on refinancing before your payment adjusts to avoid a payment spike. Property values could stagnate, someone in your household could lose a job, or you may have unforeseen expenses in the meantime that would make it difficult to refinance.

While you shouldn’t count on refinancing as a slam dunk solution, it’s important to know your options in advance. You’ll get the best refinanced loan if you own at least 20 percent equity in your home when you apply. If that is unlikely, because of stagnating property values or the fact you haven’t paid down enough principal, research your options and know how much a refinanced loan is likely to cost in closing costs and fees. The time to understand what refinanced loan is best for you is before you get a drastic monthly payment adjustment.

Contact and work with your lender.

Many homeowners are reluctant to let their lender know they’re having trouble or are anticipating problems making their monthly payments. But it’s in your lender’s interest to make sure you continue paying on your loan, and they are always willing to discuss options with you. Contact them as soon as you foresee problems.

If you wait and begin getting default notices from your lender, definitely do not ignore them. They very worst thing you can do is pretend you don’t have a problem.

Your lender may talk to you about several options. One is loan forbearance, in which you stop making payments for a certain amount of time until you’re back on your feet. Another is a payment plan for repaying past due payments and fees. You may even learn about a modified loan that is easier on your financial situation. There may be any number of other constructive options. Don’t hesitate to work with your lender!

Consult with a listing agent

One option available to Texas homeowners behind on their payments is a “short sale.” In a short sale your lender agrees to let you sell your home for less than the balance you owe on your mortgage. Your lender may still work out a repayment plan with you for the difference, and the difference between what you sell for an the market value may be treated as income for tax purposes, so this isn’t a totally painless option. Still, it is increasingly a more desirable course for troubled homeowners than foreclosure.

Whether you live in Dallas TX, Houston, Austin, or anywhere else in Texas, a local listing agent can help you determine the likely sales price of your home on the open market, and help you market your home as a short sale. A listing agent’s expertise in the CITY real estate market can be invaluable if you’re considering a short sale to avoid foreclosure.