Daily Archives: June 14, 2012

Are You On…Instagram? | Chappaqua NY Realtor

If you aren’t already familiar with Instagram, I encourage you to check it out.  It’s a great photo-sharing site that allows amateur photographers to transform everyday snapshots into spectacular images. Instagram allows users to turn these pics into creative expressions of personality.  Quickly, the rest of the world is following suit and, as with any free marketing platform, businesses are also starting to pay attention.

Most would think the type of companies that post on Instagram would be edgy or more open-minded brands.  However, a growing number of organizations that may not rate high on the “trendy” scale are finding ways to use Instagram as part of a campaign strategy or to simply strengthen brand awareness.  It’s also helping increase the “cool” factor of some companies.  General Electric uses their account to showcase the latest technology and real employees in the field.  Obviously, GE is using Instagram to promote their various product lines, but the most important service it is performing is offering transparency.  Consumers like to know what’s going on behind the scenes.

Local companies and small businesses have also used Instagram as a means to generate buzz with customers by challenging them to upload unique, personal photos spotlighting the company’s product.

There are plenty of other approaches organizations can find value in the site.  With conference season in full bloom this time of year (I know, because DJG has been designing booths like crazy!), Instagram is a great place to post party pics to share with the membership of your association.  That’s the novel thing about the site—you don’t have to sell a product or service to use it to your advantage.  The top companies considered most effective on the photo-sharing application are succeeding because they engage their audience.  Here are a few other ways to use Instagram with your B2B audiences:

  • Follow your favorite brands, partners, and employees and encourage them to follow you
  • Do you have keywords and hashtags in your social media and SEO efforts? Add them to your captions and capture the value here, too
  • Leverage some of the related apps like the maps and people connectors to leverage Instagram throughout your existing communications. Have multiple locations? Map them out and shoot. At a tradeshow? Use the Meetup app to push market to your booth while visually branding at the same time

So, whether you are a non-profit, B2B organization, or an association, if you have a great story to tell, Instagram is a great vehicle to do so.  And if you need help organizing your album, give us a call!

The DJG Mutterings crew keeps you up to date on the latest in tech, gadgetry and new media applications. Through the “Are You On?” series, we hope you find ways to incorporate some of these solutions into your marketing strategies. Follow us at http://davidjamesgroup.com/mutterings/ to hear more and connect with DJG online. 

Author: Sherri Key     Sherri Key on the Web Sherri Key on Facebook Sherri Key on Twitter Sherri Key RSS Feed

Sherri is the Traffic and Talent Manager at David James Group, an integrated marketing agency located outside of Chicago.  She is a certified Project Management Professional with over five years of experience in Advertising and Marketing.  A Virginia native, Sherri graduated from Virginia Commonwealth University with a B.S. in Business… View full profile

Beating Social Media Trolls | Katonah Realtor

You may have already seen yesterday’s news that the Secretary of State for Justice, Kenneth Clarke, has proposed changes to British defamation laws which could see websites obliged to hand over personal details (including IP address) of those posting defamatory messages online.

A number of high-profile cases of online trolling and cyberbullying have become big news of late including those of Nicola Brookes and Louise Mensch MP. The idea behind the change to the law is about shifting responsibility for user-generated content from the web platforms (who are currently treated as the ‘publisher’ under existing libel laws) to the user themselves.

We think that the change is a sensible one. It simply doesn’t make sense for websites like Facebook (25m UK users) and Twitter (10m UK users) to be held responsible for every word written on their platforms – policing content would be an impossible in terms of both the scale of the job and lack of context for judging whether offending posts are indeed defamatory or threatening.

Last night Al Jazeera English interviewed me about this and asked why I think the changes proposed are a good thing for our freedom of speech. So why do I think that? Well, at the moment, as a user of social networks and blogs, if I take offence at something someone says to me, I can contact the platform in question and demand that I want the content removed. The platform, lacking context and in fear of being responsible for potentially libellous or otherwise illegal content more often than not will just remove it – regardless of whether a law has been broken or not. And if the law is broken it would take extremely costly legal action (as in the case of Nicola Brookes) to get a website to reveal the identities of the law breaker.

Under the proposed changes, if I feel genuinely aggrieved and can provide context to prove I have a case, not only can I have the offending content removed, I can have the identity of the troll revealed to me so that I can take appropriate legal action.

The message: that trolls and cyberbullies with fake names and photo-less profiles can no longer hide behind a cloak of anonymity when they fail to act responsibly online.

How to avoid being the victim of trolls

Anyone who engages online – both individuals and brands – is at risk of becoming the victims of trolling. Here are some top tips to help you avoid being a victim:

1. Privacy settings
Tightly controlled privacy settings will help you control who can engage with you online and the places where they can do it. The tighter these are the less likely it is that trolls will be able to infringe on your most ‘personal’ places online – inbox, Facebook wall and in your newsfeeds etc

2. Know your enemy
Is the perpetrator really a troll? What can you find out about them by looking at their profile? Clearly using a pseudonym? Faceless profile photo? Lots of activity on their profile in a similarly negative vein? You may well have yourself a troll.

3. Don’t feed the trolls
A piece of advice I often to give to brands I work with who are worried about trolling is that 99% of the time the best thing to say is nothing at all.Trolls thrive on the attention they get and knowing that they’ve caused offence or got a similar reaction. If you can, avoid getting involved and tell your friends and family (or indeed colleagues) to do the same and they’ll usually just go away.

Primary Mortgage Market Survey (PMMS) | Bedford Hills Realtor

Weekly Primary Mortgage Market Survey® (PMMS®)

Compilation of Weekly Survey Data for 2012

2012 Weekly Mortgage Rates Data [XLS]

June 14, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.71 %2.98 %2.80 %2.78 %
Fees & Points0.70.70.60.5
MarginN/AN/A2.742.76

June 7, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.67 %2.94 %2.84 %2.79 %
Fees & Points0.70.70.70.4
MarginN/AN/A2.742.76

May 31, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.75 %2.97 %2.84 %2.75 %
Fees & Points0.80.70.60.4
MarginN/AN/A2.742.76

May 24, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.78 %3.04 %2.83 %2.75 %
Fees & Points0.80.70.60.4
MarginN/AN/A2.742.76

May 17, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.79 %3.04 %2.83 %2.78 %
Fees & Points0.70.70.60.5
MarginN/AN/A2.742.76

May 10, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.83 %3.05 %2.81 %2.73 %
Fees & Points0.70.70.50.5
MarginN/AN/A2.742.76

May 3, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.84 %3.07 %2.85 %2.70 %
Fees & Points0.80.70.70.6
MarginN/AN/A2.742.76

April 26, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.88 %3.12 %2.85 %2.74 %
Fees & Points0.70.60.60.6
MarginN/AN/A2.742.76

April 19, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.90 %3.13 %2.78 %2.81 %
Fees & Points0.80.70.70.6
MarginN/AN/A2.742.76

April 12, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.88 %3.11 %2.85 %2.80 %
Fees & Points0.70.70.70.6
MarginN/AN/A2.742.76

April 5, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.98 %3.21 %2.86 %2.78 %
Fees & Points0.70.70.80.6
MarginN/AN/A2.742.76

March 29, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.99 %3.23 %2.90 %2.78 %
Fees & Points0.70.80.80.6
MarginN/AN/A2.742.76

March 22, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates4.08 %3.30 %2.96 %2.84 %
Fees & Points0.80.80.70.6
MarginN/AN/A2.742.76

March 15, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.92 %3.16 %2.83 %2.79 %
Fees & Points0.80.80.80.6
MarginN/AN/A2.742.76

March 8, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.88 %3.13 %2.81 %2.73 %
Fees & Points0.80.80.70.6
MarginN/AN/A2.742.76

March 1, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.90 %3.17 %2.83 %2.72 %
Fees & Points0.80.80.70.6
MarginN/AN/A2.742.76

February 23, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.95 %3.19 %2.80 %2.73 %
Fees & Points0.80.80.70.6
MarginN/AN/A2.742.76

February 16, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.87 %3.16 %2.82 %2.84 %
Fees & Points0.80.80.80.6
MarginN/AN/A2.742.76

February 9, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.87 %3.16 %2.83 %2.78 %
Fees & Points0.80.70.70.6
MarginN/AN/A2.742.76

February 2, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.87 %3.14 %2.80 %2.76 %
Fees & Points0.80.80.70.6
MarginN/AN/A2.742.76

January 26, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.98 %3.24 %2.85 %2.74 %
Fees & Points0.70.80.70.6
MarginN/AN/A2.742.76

January 19, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.88 %3.17 %2.82 %2.74 %
Fees & Points0.80.80.70.6
MarginN/AN/A2.742.76

January 12, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.89 %3.16 %2.82 %2.76 %
Fees & Points0.70.80.70.6
MarginN/AN/A2.742.76

January 5, 2012

Regional Breakdown30-Yr FRM15-Yr FRM5/1-Yr ARM1-Yr ARM
Average Rates3.91 %3.23 %2.86 %2.80 %
Fees & Points0.80.80.70.6
MarginN/AN/A2.742.76

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