One of the very best ways to bring in qualified real estate leads – whether you’re a mortgage broker, real estate agent or investor – is a home buying seminar. There is on small challenge with putting on a home buying seminar, however! Most people that are in real estate are not in the business of promoting seminars, home buying seminars in particular.
The good news is that with a little planning and marketing, you can hold successful home buying seminars month after month. And the even better news is that most of the country is right in the midst of a “buyer’s” market, so what better time to hold a home buying seminar?
There are 5 tips that will help ensure a successful home buying seminar.
Tip 1 - Target your market! If you’ve heard it once, you’ve heard a thousand times when it comes to real estate. You have to pick your target market! This takes some planning on your part to really decide who you want to attract to your home buying seminar. It’s easy to think to yourself that anyone looking for a home is a likely candidate for a home buying seminar. But… that’s not necessarily true! There are going to be certain “types” of buyers that are most likely to attend your event. A few examples of likely candidates for your home buying seminar are first time home buyers, people in a specific city or zip code, community personnel (doctors, firefighters, nurses, teachers, etc.), etc. You’ll want to make sure that the people you market to can afford the homes you want to sell!
Your target audience is not likely going to be second home buyers or vacationers unless you’re in the timeshare business!
Tip 2 – Select a location to hold your home buying seminar Where are you going to hold your home buying seminar? There are many options and it may depend on who you are attracting to your event. For instance, if you are targeting a certain zip code, consider holding your home buying seminar at the local library. If you’re targeting first time homebuyers throughout the county, consider a centrally located hotel or auditorium. Be conscious of the costs and be sure to know the rules of negotiating with hotels BEFORE you get into any contracts.
Tip 3 – Select the right day and time for your home buying seminar Different days will bring different numbers – and types – of attendees! If you can get the facility for several time slots, consider having an afternoon session and early evening session. This will allow people that work day jobs to attend the home buying seminar after work and it will also allow people that have night jobs or evening obligations to attend your seminar. You may even consider having a “lunch and learn” sponsored by vendors like title companies, home inspection companies, insurance companies, etc.
Tip 4 – Marketing your home buying seminar Marketing is key for any seminar, but even more so for a home buying seminar. You may consider buying a list from a list broker, posting “bandit” signs throughout the community, hanging flyers in local stores, sending out a postcard sequence, a classified ad in the homes section of the newspaper, online advertising, press releases to the media, little league fields, etc. This comes back to your target market! Where do they go and what do they do?
Tip 5 – Present valuable information and provide follow up support The hard part’s over! You’ve got your attendees in the door and now it’s time to present the meat and potatoes of your home buying seminar. If you’re not comfortable with the content, consider inviting professionals to teach the content and you simply serve as the emcee and hold the event together. Things that are important to people attending a home buying seminar are: financing programs, tax benefits of home ownership, what to look for in a home inspection, and how to protect themselves at closing. Here’s a sample schedule for a 90 minute home buying seminar: One of the very best ways to bring in qualified real estate leads – whether you’re a mortgage broker, real estate agent or investor – is a home buying seminar. There is on small challenge with putting on a home buying seminar, however! Most people that are in real estate are not in the business of promoting seminars, home buying seminars in particular.
The good news is that with a little planning and marketing, you can hold successful home buying seminars month after month. And the even better news is that most of the country is right in the midst of a “buyer’s” market, so what better time to hold a home buying seminar?
There are 5 tips that will help ensure a successful home buying seminar.
Tip 1 - Target your market! If you’ve heard it once, you’ve heard a thousand times when it comes to real estate. You have to pick your target market! This takes some planning on your part to really decide who you want to attract to your home buying seminar. It’s easy to think to yourself that anyone looking for a home is a likely candidate for a home buying seminar. But… that’s not necessarily true! There are going to be certain “types” of buyers that are most likely to attend your event. A few examples of likely candidates for your home buying seminar are first time home buyers, people in a specific city or zip code, community personnel (doctors, firefighters, nurses, teachers, etc.), etc. You’ll want to make sure that the people you market to can afford the homes you want to sell!
Your target audience is not likely going to be second home buyers or vacationers unless you’re in the timeshare business!
Tip 2 – Select a location to hold your home buying seminar Where are you going to hold your home buying seminar? There are many options and it may depend on who you are attracting to your event. For instance, if you are targeting a certain zip code, consider holding your home buying seminar at the local library. If you’re targeting first time homebuyers throughout the county, consider a centrally located hotel or auditorium. Be conscious of the costs and be sure to know the rules of negotiating with hotels BEFORE you get into any contracts.
Tip 3 – Select the right day and time for your home buying seminar Different days will bring different numbers – and types – of attendees! If you can get the facility for several time slots, consider having an afternoon session and early evening session. This will allow people that work day jobs to attend the home buying seminar after work and it will also allow people that have night jobs or evening obligations to attend your seminar. You may even consider having a “lunch and learn” sponsored by vendors like title companies, home inspection companies, insurance companies, etc.
Tip 4 – Marketing your home buying seminar Marketing is key for any seminar, but even more so for a home buying seminar. You may consider buying a list from a list broker, posting “bandit” signs throughout the community, hanging flyers in local stores, sending out a postcard sequence, a classified ad in the homes section of the newspaper, online advertising, press releases to the media, little league fields, etc. This comes back to your target market! Where do they go and what do they do?
Tip 5 – Present valuable information and provide follow up support The hard part’s over! You’ve got your attendees in the door and now it’s time to present the meat and potatoes of your home buying seminar. If you’re not comfortable with the content, consider inviting professionals to teach the content and you simply serve as the emcee and hold the event together. Things that are important to people attending a home buying seminar are: financing programs, tax benefits of home ownership, what to look for in a home inspection, and how to protect themselves at closing. Here’s a sample schedule for a 90 minute home buying seminar:
Article Source: http://EzineArticles.com/?expert=Heather_Seitz
Tuesday, November 6, 2007
Home Buying Wisdom - Avoid the Bad Credit Blues
Applying for a mortgage loan only to find out you have bad credit is a surefire recipe for the home buying blues. After all, bad credit will reduce the chance of getting a good interest rate, or maybe even prevent you from getting a loan altogether. What could be worse than that?
But it doesn't have to be this way. You can avoid the home buying blues by knowing your credit situation, and (if necessary) working to improve your credit score ... before trying to buy a home.
The thing to realize is that credit score improvements take time. It doesn't happen overnight, not by any means. So as soon as possible, you should (A) find out what your credit score is, and (B) work on improving it if necessary.
Here are the steps needed to do just that:
1. Request your credit report.
2. Check your credit report for errors.
3. Request your credit score.
4. Find out where you stand.
5. Work to improve your credit score, if necessary.
1. Request your credit report.
The first step in this process it to get copies of your credit report. I say "copies," plural, because you'll want to request a copy of your credit report from Experian, Equifax and TransUnion, the three companies that maintain credit reports. You can request all three credit reports at once by visiting www.AnnualCreditReport.com. This website is maintained by all three credit-reporting agencies.
2. Check your credit report for errors.
That last thing you want is an error in your credit report that actually lowers your credit score. So review your credit reports closely for errors. Check the name and other admin info. Also be on the lookout for any loans or other lines of credit that aren't yours, as this could be a sign of credit fraud. If you find an error, go to the website of the company with the erroneous report and submit a request to have it corrected.
3. Request your credit score.
When you order your credit reports (previous step), they won't come with a score. You have to request that separately, and the best place to do that is through www.MyFICO.com. This website also has a lot of helpful information about credit scores, credit reports and related topics.
4. Find out where you stand.
Now that you have your credit score, you can determine where you fall on the credit scale -- great, good, average, below average, or bad. Credit scores range from 300 - 850, with 850 being the best and 300 being the worst. If your score is between 800 and 850, count your lucky stars! The average credit score in the U.S. is around 723. So anything higher than that, and you're also in good shape. Lower than 720, and you may want to work on improving your credit score. You won't necessarily have trouble obtaining a loan with a score of 650 - 720, but you won't get the best rate either. If your score is at or below 600, you have some work to do! That's our next item.
5. Work to improve your credit score.
The better your credit score, the better your chances of getting a good interest rate on your mortgage loan. With a lower score, you will have to pay more interest, which translates to a larger monthly payment each month. Nobody wants that!
So if you've determined that you're on the "south" end of the credit score, you'll want to work on improving your credit. Here are some tips to help you do that:
* Pay down your bills. By paying down credit card balances and other signs of debt, you are improving your debt-to-income ratio. Mortgage lenders prefer your total debt to be no more than 20% of your net monthly income. If your overall debt is more than 20% of your income, try to pay it down as quickly as possible.
* Pay all your bills on time. Paying bills on time will raise your credit score. But the opposite is also true -- a history of late payments will hurt your score.
* Pay minimum balances, at least. When you get a credit card bill, always pay at least the minimum amount that's due. Pay more than the minimum, if you can afford to. This will reduce your balance quicker and give you a more favorable debt-to-income ratio.
* Don't apply for too many loans. When you apply for credit too often, you send the signal that you can't manage your finances properly.
Taking charge of your credit will make for a more enjoyable home buying experience. When you have good credit, you can qualify for a mortgage loan more easily, and you'll likely have a better interest rate as well. But the opposite is also true -- bad credit makes the whole process more difficult, and often results in the home buying blues.
So check your credit score, find out where you stand, and proceed accordingly to improve your credit score. Don't delay ... start today!
* You may republish this article online if you retain the author's byline and the active hyperlinks below. Copyright 2007, Brandon Cornett.Applying for a mortgage loan only to find out you have bad credit is a surefire recipe for the home buying blues. After all, bad credit will reduce the chance of getting a good interest rate, or maybe even prevent you from getting a loan altogether. What could be worse than that?
But it doesn't have to be this way. You can avoid the home buying blues by knowing your credit situation, and (if necessary) working to improve your credit score ... before trying to buy a home.
The thing to realize is that credit score improvements take time. It doesn't happen overnight, not by any means. So as soon as possible, you should (A) find out what your credit score is, and (B) work on improving it if necessary.
Here are the steps needed to do just that:
1. Request your credit report.
2. Check your credit report for errors.
3. Request your credit score.
4. Find out where you stand.
5. Work to improve your credit score, if necessary.
1. Request your credit report.
The first step in this process it to get copies of your credit report. I say "copies," plural, because you'll want to request a copy of your credit report from Experian, Equifax and TransUnion, the three companies that maintain credit reports. You can request all three credit reports at once by visiting www.AnnualCreditReport.com. This website is maintained by all three credit-reporting agencies.
2. Check your credit report for errors.
That last thing you want is an error in your credit report that actually lowers your credit score. So review your credit reports closely for errors. Check the name and other admin info. Also be on the lookout for any loans or other lines of credit that aren't yours, as this could be a sign of credit fraud. If you find an error, go to the website of the company with the erroneous report and submit a request to have it corrected.
3. Request your credit score.
When you order your credit reports (previous step), they won't come with a score. You have to request that separately, and the best place to do that is through www.MyFICO.com. This website also has a lot of helpful information about credit scores, credit reports and related topics.
4. Find out where you stand.
Now that you have your credit score, you can determine where you fall on the credit scale -- great, good, average, below average, or bad. Credit scores range from 300 - 850, with 850 being the best and 300 being the worst. If your score is between 800 and 850, count your lucky stars! The average credit score in the U.S. is around 723. So anything higher than that, and you're also in good shape. Lower than 720, and you may want to work on improving your credit score. You won't necessarily have trouble obtaining a loan with a score of 650 - 720, but you won't get the best rate either. If your score is at or below 600, you have some work to do! That's our next item.
5. Work to improve your credit score.
The better your credit score, the better your chances of getting a good interest rate on your mortgage loan. With a lower score, you will have to pay more interest, which translates to a larger monthly payment each month. Nobody wants that!
So if you've determined that you're on the "south" end of the credit score, you'll want to work on improving your credit. Here are some tips to help you do that:
* Pay down your bills. By paying down credit card balances and other signs of debt, you are improving your debt-to-income ratio. Mortgage lenders prefer your total debt to be no more than 20% of your net monthly income. If your overall debt is more than 20% of your income, try to pay it down as quickly as possible.
* Pay all your bills on time. Paying bills on time will raise your credit score. But the opposite is also true -- a history of late payments will hurt your score.
* Pay minimum balances, at least. When you get a credit card bill, always pay at least the minimum amount that's due. Pay more than the minimum, if you can afford to. This will reduce your balance quicker and give you a more favorable debt-to-income ratio.
* Don't apply for too many loans. When you apply for credit too often, you send the signal that you can't manage your finances properly.
Taking charge of your credit will make for a more enjoyable home buying experience. When you have good credit, you can qualify for a mortgage loan more easily, and you'll likely have a better interest rate as well. But the opposite is also true -- bad credit makes the whole process more difficult, and often results in the home buying blues.
So check your credit score, find out where you stand, and proceed accordingly to improve your credit score. Don't delay ... start today!
* You may republish this article online if you retain the author's byline and the active hyperlinks below. Copyright 2007, Brandon Cornett.
Article Source: http://EzineArticles.com/?expert=Brandon_Cornett
But it doesn't have to be this way. You can avoid the home buying blues by knowing your credit situation, and (if necessary) working to improve your credit score ... before trying to buy a home.
The thing to realize is that credit score improvements take time. It doesn't happen overnight, not by any means. So as soon as possible, you should (A) find out what your credit score is, and (B) work on improving it if necessary.
Here are the steps needed to do just that:
1. Request your credit report.
2. Check your credit report for errors.
3. Request your credit score.
4. Find out where you stand.
5. Work to improve your credit score, if necessary.
1. Request your credit report.
The first step in this process it to get copies of your credit report. I say "copies," plural, because you'll want to request a copy of your credit report from Experian, Equifax and TransUnion, the three companies that maintain credit reports. You can request all three credit reports at once by visiting www.AnnualCreditReport.com. This website is maintained by all three credit-reporting agencies.
2. Check your credit report for errors.
That last thing you want is an error in your credit report that actually lowers your credit score. So review your credit reports closely for errors. Check the name and other admin info. Also be on the lookout for any loans or other lines of credit that aren't yours, as this could be a sign of credit fraud. If you find an error, go to the website of the company with the erroneous report and submit a request to have it corrected.
3. Request your credit score.
When you order your credit reports (previous step), they won't come with a score. You have to request that separately, and the best place to do that is through www.MyFICO.com. This website also has a lot of helpful information about credit scores, credit reports and related topics.
4. Find out where you stand.
Now that you have your credit score, you can determine where you fall on the credit scale -- great, good, average, below average, or bad. Credit scores range from 300 - 850, with 850 being the best and 300 being the worst. If your score is between 800 and 850, count your lucky stars! The average credit score in the U.S. is around 723. So anything higher than that, and you're also in good shape. Lower than 720, and you may want to work on improving your credit score. You won't necessarily have trouble obtaining a loan with a score of 650 - 720, but you won't get the best rate either. If your score is at or below 600, you have some work to do! That's our next item.
5. Work to improve your credit score.
The better your credit score, the better your chances of getting a good interest rate on your mortgage loan. With a lower score, you will have to pay more interest, which translates to a larger monthly payment each month. Nobody wants that!
So if you've determined that you're on the "south" end of the credit score, you'll want to work on improving your credit. Here are some tips to help you do that:
* Pay down your bills. By paying down credit card balances and other signs of debt, you are improving your debt-to-income ratio. Mortgage lenders prefer your total debt to be no more than 20% of your net monthly income. If your overall debt is more than 20% of your income, try to pay it down as quickly as possible.
* Pay all your bills on time. Paying bills on time will raise your credit score. But the opposite is also true -- a history of late payments will hurt your score.
* Pay minimum balances, at least. When you get a credit card bill, always pay at least the minimum amount that's due. Pay more than the minimum, if you can afford to. This will reduce your balance quicker and give you a more favorable debt-to-income ratio.
* Don't apply for too many loans. When you apply for credit too often, you send the signal that you can't manage your finances properly.
Taking charge of your credit will make for a more enjoyable home buying experience. When you have good credit, you can qualify for a mortgage loan more easily, and you'll likely have a better interest rate as well. But the opposite is also true -- bad credit makes the whole process more difficult, and often results in the home buying blues.
So check your credit score, find out where you stand, and proceed accordingly to improve your credit score. Don't delay ... start today!
* You may republish this article online if you retain the author's byline and the active hyperlinks below. Copyright 2007, Brandon Cornett.Applying for a mortgage loan only to find out you have bad credit is a surefire recipe for the home buying blues. After all, bad credit will reduce the chance of getting a good interest rate, or maybe even prevent you from getting a loan altogether. What could be worse than that?
But it doesn't have to be this way. You can avoid the home buying blues by knowing your credit situation, and (if necessary) working to improve your credit score ... before trying to buy a home.
The thing to realize is that credit score improvements take time. It doesn't happen overnight, not by any means. So as soon as possible, you should (A) find out what your credit score is, and (B) work on improving it if necessary.
Here are the steps needed to do just that:
1. Request your credit report.
2. Check your credit report for errors.
3. Request your credit score.
4. Find out where you stand.
5. Work to improve your credit score, if necessary.
1. Request your credit report.
The first step in this process it to get copies of your credit report. I say "copies," plural, because you'll want to request a copy of your credit report from Experian, Equifax and TransUnion, the three companies that maintain credit reports. You can request all three credit reports at once by visiting www.AnnualCreditReport.com. This website is maintained by all three credit-reporting agencies.
2. Check your credit report for errors.
That last thing you want is an error in your credit report that actually lowers your credit score. So review your credit reports closely for errors. Check the name and other admin info. Also be on the lookout for any loans or other lines of credit that aren't yours, as this could be a sign of credit fraud. If you find an error, go to the website of the company with the erroneous report and submit a request to have it corrected.
3. Request your credit score.
When you order your credit reports (previous step), they won't come with a score. You have to request that separately, and the best place to do that is through www.MyFICO.com. This website also has a lot of helpful information about credit scores, credit reports and related topics.
4. Find out where you stand.
Now that you have your credit score, you can determine where you fall on the credit scale -- great, good, average, below average, or bad. Credit scores range from 300 - 850, with 850 being the best and 300 being the worst. If your score is between 800 and 850, count your lucky stars! The average credit score in the U.S. is around 723. So anything higher than that, and you're also in good shape. Lower than 720, and you may want to work on improving your credit score. You won't necessarily have trouble obtaining a loan with a score of 650 - 720, but you won't get the best rate either. If your score is at or below 600, you have some work to do! That's our next item.
5. Work to improve your credit score.
The better your credit score, the better your chances of getting a good interest rate on your mortgage loan. With a lower score, you will have to pay more interest, which translates to a larger monthly payment each month. Nobody wants that!
So if you've determined that you're on the "south" end of the credit score, you'll want to work on improving your credit. Here are some tips to help you do that:
* Pay down your bills. By paying down credit card balances and other signs of debt, you are improving your debt-to-income ratio. Mortgage lenders prefer your total debt to be no more than 20% of your net monthly income. If your overall debt is more than 20% of your income, try to pay it down as quickly as possible.
* Pay all your bills on time. Paying bills on time will raise your credit score. But the opposite is also true -- a history of late payments will hurt your score.
* Pay minimum balances, at least. When you get a credit card bill, always pay at least the minimum amount that's due. Pay more than the minimum, if you can afford to. This will reduce your balance quicker and give you a more favorable debt-to-income ratio.
* Don't apply for too many loans. When you apply for credit too often, you send the signal that you can't manage your finances properly.
Taking charge of your credit will make for a more enjoyable home buying experience. When you have good credit, you can qualify for a mortgage loan more easily, and you'll likely have a better interest rate as well. But the opposite is also true -- bad credit makes the whole process more difficult, and often results in the home buying blues.
So check your credit score, find out where you stand, and proceed accordingly to improve your credit score. Don't delay ... start today!
* You may republish this article online if you retain the author's byline and the active hyperlinks below. Copyright 2007, Brandon Cornett.
Article Source: http://EzineArticles.com/?expert=Brandon_Cornett
First Time Home Buying – Seven Steps to Success
Your first-time home buying experience can be stressful and chaotic, or it can be smooth and easy. The difference comes from having a solid plan and knowing what to expect. The following checklist will help make your home buying process a smooth one:
Step 1. Review your credit and finances.
Mortgage lenders will put your credit and finances under the microscope. So before you begin the home buying process, you should review these things for yourself.
Start by requesting a copy of your credit report from the big three credit agencies -- Equifax, Experian and TransUnion. Review your credit report closely for errors. If you find an error, work to correct it right away, as the process takes time. For instructions on correcting your credit report, refer to the websites of the three agencies.
You should also review your finances to determine how much of a home you can comfortably afford. Use an online mortgage calculator to determine monthly payments based on total price. This will give you a rough idea of where your comfort zone lies.
Step 2. Learn about mortgages.
Once you've reviewed your finances, credit and purchasing power, you should start researching the different types of mortgages. Each type of mortgage has its pros and cons. Finding the one that's right for you will depend on many factors, such as how long you plan to own the home, how much you can afford to pay up front, etc.
When reading about the different types of mortgages, pay close attention to any sentence that starts with "This mortgage might be a good option for you if..."
Step 3. Visit HomeBuyingInstitute.com
At HBI, you can learn about the home buying process in depth. HBI is the Internet's largest library of home buying tips and advice, and best of all it's free!
Step 4. Make a wish list.
Now that you have a better understanding of the financial side of things, you can begin to create a home "wish list." Write down all the things you want from a home. Include the size, features, location, etc. Categorize each item on the list as a "need" or a "want." This list will save you time, narrow down your search, and help you stay focused.
Step 5. Find a good agent.
Even with all of the home buying information available online, it's a good idea to hire a professional real estate agent. When you consider how much money you'll pay for a new home, an agent's fee will seem miniscule by comparison. Combine that with the peace of mind you get from having professional guidance, and it's even more apparent why you should use an agent.
To find an agent, start by asking family or friends if they can refer a local agent they were happy with. If that doesn't produce any leads, try using search engines or the websites of well-known companies.
Step 6. Get pre-approved for a home loan.
Pre-approval from a mortgage lender will help you in several ways: (1) It will reveal how much you can realistically afford. (2) It will help you identify credit problems early on in the home buying process. (3) It will show sellers you're serious about buying (which can be helpful when there are multiple buyers / offers).
Step 7. Get a home inspection.
Whether you're buying a new home or an older one, a home inspection is always a good idea. Inspections cost around $500, which is a small price to pay for peace of mind. A home inspector will examine the home's roof, foundation, heating / cooling system and other important areas.
Article Source: http://EzineArticles.com/?expert=Brandon_Cornett
Step 1. Review your credit and finances.
Mortgage lenders will put your credit and finances under the microscope. So before you begin the home buying process, you should review these things for yourself.
Start by requesting a copy of your credit report from the big three credit agencies -- Equifax, Experian and TransUnion. Review your credit report closely for errors. If you find an error, work to correct it right away, as the process takes time. For instructions on correcting your credit report, refer to the websites of the three agencies.
You should also review your finances to determine how much of a home you can comfortably afford. Use an online mortgage calculator to determine monthly payments based on total price. This will give you a rough idea of where your comfort zone lies.
Step 2. Learn about mortgages.
Once you've reviewed your finances, credit and purchasing power, you should start researching the different types of mortgages. Each type of mortgage has its pros and cons. Finding the one that's right for you will depend on many factors, such as how long you plan to own the home, how much you can afford to pay up front, etc.
When reading about the different types of mortgages, pay close attention to any sentence that starts with "This mortgage might be a good option for you if..."
Step 3. Visit HomeBuyingInstitute.com
At HBI, you can learn about the home buying process in depth. HBI is the Internet's largest library of home buying tips and advice, and best of all it's free!
Step 4. Make a wish list.
Now that you have a better understanding of the financial side of things, you can begin to create a home "wish list." Write down all the things you want from a home. Include the size, features, location, etc. Categorize each item on the list as a "need" or a "want." This list will save you time, narrow down your search, and help you stay focused.
Step 5. Find a good agent.
Even with all of the home buying information available online, it's a good idea to hire a professional real estate agent. When you consider how much money you'll pay for a new home, an agent's fee will seem miniscule by comparison. Combine that with the peace of mind you get from having professional guidance, and it's even more apparent why you should use an agent.
To find an agent, start by asking family or friends if they can refer a local agent they were happy with. If that doesn't produce any leads, try using search engines or the websites of well-known companies.
Step 6. Get pre-approved for a home loan.
Pre-approval from a mortgage lender will help you in several ways: (1) It will reveal how much you can realistically afford. (2) It will help you identify credit problems early on in the home buying process. (3) It will show sellers you're serious about buying (which can be helpful when there are multiple buyers / offers).
Step 7. Get a home inspection.
Whether you're buying a new home or an older one, a home inspection is always a good idea. Inspections cost around $500, which is a small price to pay for peace of mind. A home inspector will examine the home's roof, foundation, heating / cooling system and other important areas.
Article Source: http://EzineArticles.com/?expert=Brandon_Cornett
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