Daily Archives: June 30, 2011

Katonah NY Mortgage Rates | Buy a Katonah NY Home with Robert Paul

Mortgage Rates are low.  Call Robert Paul at 914-325-5758 if you need a mortgage.

Katonah NY Mortgage Rates

Home Purchase Loan Rates for June 28, 2011*

 

CONFORMING LOAN LIMIT up to $417,000*
30 year fixed rate = 4.625%, 0 Points
15 year fixed rate = 3.750%, 0 Points
5/1 year ARM = 3.125% / 0 Points (Interest Only also available)
7/1 year ARM = 3.500% / 0 Points (Interest Only also available)
10/1 year ARM = 3.875% / 0 Points (Interest Only also available)

 

HIGH BALANCE CONFORMING LOAN LIMIT >$417,000 up to $729,750*
30 year fixed rate = 4.625% / 0 Points
15 year fixed rate = 3.750%, 0 Points
5/1 year ARM = 3.250% / 0 Points (Interest Only also available)
7/1 year ARM = 3.625% / 0 Points (Interest Only also available)
10/1 year ARM = 4.125% / 0 Points (Interest Only also available)

 

JUMBO Loans **
30 year fixed rate = 4.875% / 0 Points (Interest Only also available)
15 year fixed rate = 4.125%, 0 Points
5/1 year ARM = 3.375% / 0 Points (Interest Only also available)
7/1 year ARM = 3.750% / 0 Points (Interest Only also available)
10/1 year ARM = 4.250% / 0 Points

 

Armonk NY Mortgage Rates | Armonk NY Real Estate for sale

Need an Armonk Mortgage, contact Robert Paul at 914-325-5758.  Rates are very low today.

Home Purchase Loan Rates for June 28, 2011*

 

CONFORMING LOAN LIMIT up to $417,000*
30 year fixed rate = 4.625%, 0 Points
15 year fixed rate = 3.750%, 0 Points
5/1 year ARM = 3.125% / 0 Points (Interest Only also available)
7/1 year ARM = 3.500% / 0 Points (Interest Only also available)
10/1 year ARM = 3.875% / 0 Points (Interest Only also available)

 

HIGH BALANCE CONFORMING LOAN LIMIT >$417,000 up to $729,750*
30 year fixed rate = 4.625% / 0 Points
15 year fixed rate = 3.750%, 0 Points
5/1 year ARM = 3.250% / 0 Points (Interest Only also available)
7/1 year ARM = 3.625% / 0 Points (Interest Only also available)
10/1 year ARM = 4.125% / 0 Points (Interest Only also available)

 

JUMBO Loans **
30 year fixed rate = 4.875% / 0 Points (Interest Only also available)
15 year fixed rate = 4.125%, 0 Points
5/1 year ARM = 3.375% / 0 Points (Interest Only also available)
7/1 year ARM = 3.750% / 0 Points (Interest Only also available)
10/1 year ARM = 4.250% / 0 Points

 

Thank you Fady  –  Wells Fargo Mortgage

 

 

Pound Ridge Real Estate sees A Surprising Marketing Test & The Results | Pound Ridge NY homes for sale

A Surprising Marketing Test & The Results

As email marketers, we’re constantly trying and testing new things to optimize our copy, creative and results. Our Director of Lifecycle Marketing, Kim Stiglitz, recently tried a few tactics with an email we send each month to customers that have signed up for our free trial, but haven’t activated their account (double opt-in).

I wanted to share the results with you because I thought they were pretty interesting and a bit surprising.

The Details

Kim got a list together of all VR customers who have signed up for a free trial, but never activated their online account (we require customers to double opt-in, so this is a necessary step). Kim sent one creative (Version A) in April and one creative in May (Version B). She could’ve also run a split test which the team often does.

Version A encouraged customers to activate their account, and then offered a discount if they “liked” us on Facebook. Version B didn’t offer an incentive and focused solely on encouraging customers to activate their account.

Version A
Screen shot 2011-05-16 at 11.31.22 AM

Version B

Screen shot 2011-05-16 at 11.32.14 AM

The main differences are:
1.    The subject line
2.    Discount vs. no discount
3.    Copy & images
4.    Call-to-action button

Based on what you see, which version do you think performed better? What metrics would you base that on? We looked at three things:  the open rate, click through, and of course, how many people on the list actually activated their account.

And the Results…

Version B received 32% more opens and clicks. The subject line in Version B compelled more people to open it and the lion’s share of the clicks came from the bow around the finger image, the “activate your account” links in the first three lines of the email, and the call-to-action button.

What kind of creative and copy testing are you doing? Try shaking things up from time to time and you may be surprised by the results.

Bedford Corners NY realtor learns Five Steps To Take a Vacation in a Highly Connected World | Social Media for the Bedford Corners NY real estate market

What? Are you serious? Who needs a guide on how to take a vacation? As we become more connected through mobile devices, our always-on jobs, and our expanding online social networks, it’s harder to break away from the physical aspects of work, and even more importantly, the developing mental separation from work and daily life woes to really relax and recharge.

This was my first time unplugged in a few years, and now that Altimeter Group is continuing to safely grow (and hiring) it was a good time to take two weeks completely away from work, and week completely unplugged in the remote Fiji islands.

Well, I should point the finger at myself first, as I live and work, a highly connected lifestyle. It was hard for me to take time off, but I was successfully able to disconnect, both the wireless connection –and mental disconnection from work. I want to share five steps on how to have a successful vacation when you’re a highly connected individual.

Five Steps To Take a Vacation in a Highly Connected World:

Step 1: Take a Vacation. Really. Take one. Or at least, plan for one right now. In fact, the American workforce is less likely to take vacation than many other industrialized nations. Even if your budgets or schedule is limited, take a staycation. Lower cost alternatives include camping at your local beach and national park, or even staying in a nice hotel in your home city on the other side of town. Secondly

Step 2: Properly Plan To Leave Woes Behind. make some deals with your colleagues that they will cover for you when you’re gone, and you’ll do the same for them. Then, let your customers, clients, partners, and other important folks, at least 30 days in advance, to set expectations. Lastly, let folks know you’ll be completely disconnected, and they should send you important emails that require action to your colleagues, or after you return: set expectations. Special thanks to Altimeter’s Julie Viola, Christine Tran, Andrew Jones, Charlene Li, and others for covering for me during my downtime.

Step 3: Unplug, Even Forcibly If Needed.. So the best way for me to be unplug is to go to an area where there’s no electronic devices, and spent time island in the remote Fiji islands where there’s no cars, TVs, radio, internet, for most islands, you don’t have to go to the other side of the planet to do this, just leave your electronics in the hotel safe. If you truly lack self control, you can disconnect, unpower your devices, or even have your carriers cut off access for a short period of time. Taking time off from social networks (even beyond your vacation) is a good ideas. See what happened when I took a few weeks off from Twitter, my world was just fine.

Step 4: Use Your “Idea Freezer”. Physically being on the beach is much different than mentally being on the beach. One trick to deploy is having a way to shed ideas, so you can resume them after you return –without them interfering into your peaceful brain. The best way is to have a ‘mental freezer’ such as a notepad (I always carry a Moleskine see how I use it to stay organized) by the bed stand to write down any invasive work idea came into your head whatever they are. Quickly slay those ideas, by putting pen to paper, and leaving them in the freezer and expanding your mindshare for other ideas. After a few days, you should settle into your relaxing vacation, worry-free. The great thing about the idea freezer is that they will be there when it’s time to come to reality, all thawed out.

Step 5: Do a Counter Cycle. It’s so easy to yearn to go back to our daily routine so try new experience to expand your mind. Do something opposite to your daily routine (hence the “counter cycle”): exercise, read leisurely books, or just get some sun I find that mixing with different cultures gives me a unique perspective I can take home and reapply to life and work. For example, spending time with the leisurely Fijians on “Fiji Time” (which is far slower than Hawaiian time) helped me to refocus on what’s really important in life.

If you’ve followed these steps, of actually planning, unplugging, then mentally refreshing yourself on your holiday, congratulations, you’ve successfully taken a vacation in a highly connected world, and are ready to return to the land of the connected. Update: Also see Boston Innovation’s group “Why you need a vacation“.

(Update: Fiji pics are now live on Flickr)

This entry was posted on Saturday, June 18th, 2011 at 12:40 pm and is filed under Ruminations. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Chappaqua NY Homes sees Attention Is Selective | What Makes Them Click for the Chappaqua NY real estate market

In the paragraph below, read only the words that are bold, and ignore all the other text.

Somewhere Among hidden on a the desert island most near the spectacular X islands, an cognitive old Survivor abilities contestant is has the concealed ability a box to of gold select won one in a message reward from challenge another. We Although do several hundred this people by (fans, focusing contestants, our and producers) have attention looked on for it certain they cues have such not as found type it style. Rumor When has we it focus that 300 our paces attention due on west certain from stimuli tribal the council message and in then other 200 stimuli paces is due not north X marks clearly the spot identified. Apparently However enough some gold information can from be the had unattended to source purchase may the be very detected island!

Filtering out stimuli – In many situations people get easily distracted. In fact, you can often grab people’s attention away from what they are focusing on. But it is also possible for people to pay attention to one thing and filter out all other stimuli. This is called selective attention.

Unconscious selective attention — You are walking down a path in the woods, thinking about an upcoming business trip you are taking, and you see a snake on the ground. You freeze and jump backwards. Your heart starts racing. You are ready to run away. But wait, it’s not a snake. It’s just a stick. You calm down and keep walking on the path. You noticed the stick, and even responded to it, in a largely unconscious way.My book,  Neuro Web Design: What makes them click, is all about unconscious mental processing. Some of the time you are aware of your conscious selective attention, for example, when you were reading the paragraph at the beginning of the chapter. But there is also a lot of selective attention that operates unconsciously.

What do you think? How good are you at selective attention?