Gambling Till You Drop

One of the most exiting tourist destinations in the world is India. Situated in the perfect climatic zone, the country offers such diversity that no other country of the world can offer. The country has three major geographical features that make it an ideal country for habitation and travel. The great Himalayas of the north protect the country from the chilling winds of China. They also offer spectacular scenic places and one of the most challenging adventures outback. The great plains of central mainland is fed by some of world’s most prominent rivers. The Ganges runs across the country providing food to almost the whole country, as well as offering challenge to the rafters for white water excitement. Then there is the Deccan plateau of the South and the Indian Ocean. They complete the topographic scene of India.

Historically India is perhaps the richest country in the world. It was home to the oldest civilization of the world the Indus Valley. The civilization dates back to almost 3000 BC. India has given birth to two of the worlds biggest religions. Every now and then the scientist and anthropologists discovers new evidences, which fortify India’s claim of being culturally most advanced in the ancient times.

The Taj Mahal is the embodiment of love built by the great Mughal ruler Shahjahan for his departed wife Mumtazmahal. It has found its place in the seven wonders of the modern world. India has many historical monuments aptly notified as world heritage sites. The country has a diverse culture and it is evident by the fact that the monuments of hinds and Muslims are in equal numbers.

The political scene of the country is controlled by the capital city of the country – Delhi. It has been a historic city, home to the red fort, which is the embodiment of the Moughal rule in India. Delhi is also famous for its bazaars and monuments. It is a must visit to the tourists as the embassies and high commissions are situated here. To day delhi is the hub of urbanization. From the multinational s to the domestic giants of the world all have their headquarters in Delhi. It is also highly urbanized and it homes many universities for higher education. The city is well connected to the whole country through rails and air and the domestic transportation is also very smooth as there is a well-laid network of metro trains.

If Delhi is the political capital then Bombay can be easily termed as the business capital of the country. The city is a mixture of various religions and nationalities. The life of Bombay, now called as Mumbai, is very fast and the schedules are always full. It has the most prized possession of the country the Bollywood (the Indian film industry). It also has the Wall Street’s Indian counter part the Dalal Street. It is the witness to the countries economic ups and downs.

India is definitely a place worth visiting and the best time to come to India is in the months of September to April when the country is booming with all kinds of activities and festivities. The colors of the country are surely goanna take you over.

Mansi aggarwal writes about. Traveling to India Learn more at http://www.indiatraveltips.com

Placing just one or two carefully selected images within your salesletter can be worth thousands of dollars in sales. In fact, just one image that brings your eBook, software, audio product, or free bonus items to life can have a real impact on your bottom line!

For consumers, there’s no doubt that buying products online is a whole different ball game compared to buying from a “bricks and mortar” store. There’s no face-to-face interaction, and they can’t touch and examine the product they are thinking of purchasing.

So anything that you can do to make consumers more comfortable buying a product online is well worth the effort. And adding a few images to humanize your web site and show off your products — including digital products — is one way you can do this.

Of course, any images in your sales copy should complement the copy itself and add to your overall sales message. Remember, they’re not decoration.

In other words… no “stock” images of a man with a briefcase to illustrate a business product, or of two people shaking hands to promote a suite of training products!

Remember: Your sales page is valuable real estate, and every pixel on that screen contributes to the overall impression visitors will get of you and your products or services — so you have to be careful how you use that real estate.

THREE IMAGES YOU MUST HAVE WITHIN YOUR NEWSLETTER

There are three areas in your salesletter where using the right image can make a HUGE difference to your sales:

1. RIGHT UP FRONT: A picture of you! You might think that placing a picture of yourself in your copy is a bit big-headed. Not at all… not only does this establish that there IS a real person behind your web site, but it also makes your whole salesletter that much more personal. Of course, you shouldn’t go overboard and scatter your holiday snaps throughout the copy — that will just distract from your sales message. A friendly portrait shot near the top will do the trick. Obviously, try to choose a good picture, not just a grainy web cam shot.

2. WITHIN TESTIMONIALS: Images of satisfied customers. The key thing with testimonials is to make them credible. Using pictures of your satisfied customers alongside their testimonials puts a face to the words, and makes it clear that these are real, and not faked, testimonials.

So when you receive a good testimonial from a customer, always ask for a picture. If they have one of themselves using your product or service… all the better! Don’t worry too much about quality — the most important thing is that they are genuine.

3. IN YOUR PRODUCT DESCRIPTION: The product shot! This is the MOST IMPORTANT of all the three images, and it can make all the difference when it comes to closing a sale.

The thing is, people shopping online can’t touch the product… so they need to see as much detail as possible during the sales process so they’re comfortable with what they’re buying.

If you sell a tangible product like jewelry or cameras, then you should place a well-taken shot prominently within your product copy, as well as next to the “call to action” when the customer is finally deciding whether to buy.

And if you mention any cool features — like a special lens for a camera, for example — provide an image of this too. If you sell a software program or training course, you can also include screenshots and samples.

The key is to make your product look as DESIRABLE as possible.

At The Internet Marketing Center, we’ve tested the impact of images, product shots, and screen captures on sales… and they really DO make a huge difference.

But what if you sell a digital product like an eBook or downloadable software? Well, you can still create a desirable image quickly and cheaply…

TIPS FOR CREATING HIGH-IMPACT EBOOK “COVERS” AND DIGITAL PRODUCT “BOXES” THAT GENERATE MORE SALES

Of course, a digital eBook doesn’t have a physical cover, and software that customers can download doesn’t come in a box!

But a product image — even a digitally created one — that’s placed within the product salescopy and next to the “call to action” makes people feel like they’re buying a “real” product… and this gives it a lot more value in the eyes of consumers.

The bottom line is that a good “cover” WILL help you maximize sales. And a professional-looking “box” image for other digital products does the same.

So what makes a great eBook cover or digital product box?

- It must look professional. A quick trip through web sites selling digital products will reveal tons of different designs, and you’ll quickly see which ones work and which don’t.

- It must be eye-catching. Make it something people would pick up in an offline store. This helps if you want to use the image to promote your product on other web sites.

- The cover or box must be suitable for the product’s contents. For example, if your product is an eBook on gardening tips, use a gardening image. Check out the covers of books on your topic, or the boxes of software, sold in offline stores to get some ideas.

- Keep the writing on the cover or box to a minimum. Ideally, you’ll want to include just the product’s name or title, sub-title if applicable, and author if applicable (and only if they are well known in their field). And remember that the final image will be small, so only include written content that’s absolutely essential. – Don’t go overboard with the colors. No — bright green and pink DON’T go together! Try this handy free tool for seeing which web colors go well together: http://www.colormatch.dk

- Stick to clear, legible fonts. Use fonts like Arial or Verdana. Avoid “script” or unusual fonts that are hard to read. And only use one font!

- Give it a 3D appearance with the title repeated on the spine, and a shadow. This makes it more tangible in the eyes of the customer.

If you have some design experience, you can take a shot at creating your cover or package yourself using imaging software like Photoshop or PhotoImpact.

A word of caution, though… if your design skills are not good, go to a professional or use custom software. Bad design and poor-quality images are worse than no images at all, and you could actually end up losing sales!

Try finding a designer through Elance, or use one of the many eBook cover design services or software providers available on the Internet.

FINAL THOUGHTS

Images in your sales copy really can make a difference to your sales, but only if you use them sparingly and strategically.

Well-positioned pictures of yourself — and of your satisfied customers — make the customer feel like they are buying from a real person with real customers — not just some anonymous web site.

And eye-catching product shots do a great job of supporting your salescopy. Your customers won’t judge your eBook or other products on their “covers” or “packaging” alone, but product images can provide credibility and make your products more desirable and tangible in the eyes of your customers.

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** Attn Ezine editors / Site owners / everyone ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include our resource box as listed above.

Many small business owners feel that they don’t need to do market research since they already have a feel for their customer market, given their long experience. Experience, though useful, can lead to a false sense of security; information gathered randomly over the years may be out of date, vague, biased or, of a “folk tale” nature. Some initial decisions about our business can be based on our initial market research:

Identify opportunities in the marketplace. For example, if we are planning to open a retail outlet in a particular geographic location and have discovered that no such retail outlet currently exists, we have identified an opportunity. The opportunity for success increases if the location is in a highly populated area with residents who match our target market characteristics.

Minimize the risk of doing business. Instead of identifying opportunities, the results of some market research may indicate that we should not pursue a planned course of action. For example, marketing information may indicate that a marketplace is saturated with the type of service you plan to offer. Or, our proposed new location, on the main road through town, may turn out to be part of a by-pass, or alternate route, being planned to ease traffic congestion.

In refining our business concept, we need to consider where in the delivery chain we will compete, as well as what market segment offers the greatest opportunity.

In the early stages of considering business opportunities, we usually consider a general product area with some flexibility on exactly what niche our venture will fill. A basic decision to be made is where our offering will compete in the process of satisfying consumer needs. The product delivery “chain” may be thought of as consisting of:

• product manufacture, characterized by large competitors, a large initial investment, and the need for an effective distribution system;

• wholesaling, a function currently undergoing some consolidation, and requiring sources of supply, and a dealer network;

• retailing, a highly competitive area with a number of specialty niches, and;

• services, generally the easiest types of businesses to start, but the hardest to get to a high level of profitability.

Individual businesses are generally identified in one of these categories, even if operating in a manner that falls between two of them, or that combines two or more.

Within our position in the supply chain, there are smaller groups, called market segments, with similar needs. Markets can be segmented along several different dimensions: product-related; geographic; “psychographic,” or relating to traits, motives, and lifestyles; and demographic, relating to consumer age or income level.

With the information gathered in the research phase, we can refine our business concept further by considering our “marketing mix,” those decisions to be made for our marketing plan that are generally referred to as the “four P’s:” We will take a first pass at the following decisions to continue our screening, then refine the answers for the business plan.

Product

What is the product that the market needs? How well positioned are we to provide it? How will we differentiate ourselves from the competition? What brand name and packaging will we use? How wide will our product line be? What will be its features, accessories and options?

Price

Will our price be competition-based or quality-image-based? What is the range of pricing options? How price-sensitive are sales? Can we be low cost and high service? What will our terms be? What discounts and allowances will we provide?

Promotion

How will we promote the product? What aspects of the product should we stress? How and where will we advertise? What are the most cost-effective media? Can we afford an agency? Are there some non-traditional promotional methods which could be effective? Does our venture lend itself to personal selling over mass-marketing, cross-promotions with related products? Are there opportunities for free publicity?

Place

Where and how will we distribute the product? What will the distribution “channel” look like?

Through this process, we can add considerable focus to our implementation efforts.

John B. Vinturella, Ph.D. has almost 40 years experience as a management and strategic consultant, entrepreneur, author, and college professor. For 20 of those years, Dr. Vinturella was owner/president of a distribution company that he founded. He is a principal in business opportunity sites jbv.com and muddledconcept.com, and maintains business and political blogs.

There are innumerable sensual aids out there on the sex toy market and glass dildos are wonderful sexy toys to use or give to your mistress. Marital aids can be types of art, as seen by the terrific glass dildos on sale in websites. The wonderful glass dildos are different as you will control the warmth of the sex toy. The difference in warmth makes love making sessions phenomenal.

The most fabulous thing about this sort of marital aid is that they are sturdy. The sexual toy can come in different shapes and will often be used for bottom love making. The great thing is the toys might often be positioned in the microwave to quickly heat up. The durable material holds the requested temperature so you may carry on with your sex session without having to adjust the warmth often.

Cleaning a sensual aid is mega easy. Marital aids, especially glass dildos, might often be cleaned quickly. Wash it in soapy water or use a sexual toy cleaner from a sex toy website. Glass dildos are great sex toys to help heat up your sensual life with your girl. The first time your lover uses a martial toy like a glass dildo they will have an exciting orgasm. Sex toys can be used at any time and are an incredible essential to any bedroom. For those who want fantastic pleasure try out Dildos and lube from Sex Bomb.

Strangely the Samsung P260 never sold as well as expected, which is a shame as it is a very nice little phone. The P260 is quite basic for the price. Samsung have done a very good job on the graphical user interface of the Samsung P260 making this mobile handset easy to use.

A Li-Ion 960 mAh, battery is supplied with the Samsung P260. The Samsung P260 has a battery duration of 220 hrs reserve time and talk time of 3:00. The Samsung P260 comes equipped with bluetooth, meaning it can be used with with a range of mobile devices. If colour is something you are interested in you may like to know that this mobile phone can only be bought in Black. The handset is pretty light weighing in at 119 g. Compared to competitors mobile handsets currently available the Samsung P260 is small and comfortable to carry. Polyphonic (64 channels), MP3 ring-tones are enabled on the Samsung P260 on top of which is a vibration alert. The display type on this mobile handset is a TFT, 256K colors. The P260 is compatible with 2G GSM 900 / 1800 / 1900 . This phone has a 2 MP, 1600×1200 pixels, video(QCIF) camera. For mobile Internet users as WAP 2.0/xHTML browser is included. Additionally the Samsung P260 has the following additional features, Java MIDP 2.0, Voice memo, MP3/ACC/ACC+ player and Organizer.

Regrettably for Samsung the P260 has already been surpassed making it fairly easy to get a great deal on this mobile handset. If you are after a fantastic buy, order online where it is easy to find loads of great bargains to choose from. Ordering online will save you a lot of money, surprisingly, it is possible to get a Samsung P260 with a free line rental option , which need not cost a penny.

Many industry sectors have abatement professionals and consultants and there are even trade journals specializing in these things. Unfortunately the greatest abatement consultants are so busy that they generally cannot even return phone calls as they travel the world putting out fires and handling crisis management. The issues, which are most pressing are those dealing with multiple reactions caused by abatement procedures in one sector which affect another and the law of unintended consequences which occur.

For instance let us take an industry sector like a car wash, where you have an issue with reclaiming your water. Now you know you can buy bacteria to eat some of the waste water sludge, but when you do this it causes issues with smell. So then the customers are taken aback. Next you try masking to get rid of the smell and ozone in the gift shop at the car wash.

The ozone is problematic for indoor air pollution and the mask is only hiding the odor, meanwhile you have methane build up. No chance for fire, too much moisture in the air. Yet, have you even solved the first problem of abatement of the sludge and Mosquitoes laying larva in it? I mean you have bacteria eating the sludge, not the larva, making methane and now you are polluting the air for your customers and employees? I hope you can see my point of how an abatement consultant can drop the ball? Consider this in 2006.

“Lance Winslow” – Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/wttbbs/

One of the greatest opportunities in business is to evaluate “What is my average client worth to me?”

When I am working with a coaching client and ask that question the usual response is either

• “I have no idea” or

• “I can’t tell you that. My customers are spread all over the place. I have a client that typically buys $10, another one that buys $1,000 and one that buys $10,000. So, how can I tell you what an average client looks like?”

And that last statement is exactly what we have to look at, “How can I tell you what an average client looks like?” or possibly even what do my different clients look like.

My original question still stands, find the average, and start identifying what the $10 client looks like, what the $1,000 clients looks like, and what the $10,000 looks like. We will learn some things that more often than not explodes my client’s business once they start thinking about the difference between the clients.

Start segmenting those clients. I like to say “Dump each client type into a bucket, or a category.” And to do that we have to start defining exactly what those clients look like, and what are the boundaries between the $10 and $1,000 clients.

Now what do we do with them once we get them there? Start realizing how important they are to you.

Here’s what my clients find when they start looking at those options and asking the questions. There are opportunities that we have never explored or found before in the answers.

• We might find that some clients are just worth more to us, usually a LOT more, so we might spend more time trying to reach $1,000 or $10,000 clients and less on those that are worth less to us.

• And on the other side of that coin we might reduce the price of our products and find that the volumes went up explosively, so that now we are delivering the high cost product at slightly less, but our sales volume went up so drastically that our total income is now up multiple times.

Let me give you some examples of a couple of my clients.

• Finding the clients that are worth more to us

  I once coached a small construction company. When we looked at their “average customer value” they were averaging $1,500 per sale. Their target market was $50,000 income homes. That was what the national franchisor had told them to do.

  When we looked at their typical sale it was rather obvious that they were doing better in higher incomes. So, we changed from a target of $50,000 incomes to $75,000 incomes, and…wow, a sudden increase in total sales of 10 times in just their next direct mail. Their direct mail response rate went from 0.2% to 0.9%, 4.5 times more customers walking through the door than the previous week’s results, their sales closes were higher, AND the average customer is now buying $3,000, 2 times what the client was just last week.

  Results 4.5 times more people walking through the door buying 2 times as much equals…..
  drum roll please….9-10 times increase in revenue in just one week.
  Amazing how that works isn’t it.

• Finding what the clients want, looking outside the box:

  Now let’s look at the other side of that coin with a coaching acquaintance of mine. She had been targeting about $3,000 for her coaching. Sales weren’t spectacular, but certainly comfortable. So, we started talking about the fact that frequently a prospect told her they would just love to hire her, but they just couldn’t afford her.

  I asked her, “How can you meet the customer’s needs?” (Rather interesting concept, huh? Meeting the customer’s needs.)

  She had been trying to hold a price that she thought she needed, and her concept was that she had to ask even more to make more money. First we talked about reducing the price to $1,000 so more could afford it, but this time work in groups. Results–10 people signing up for each group, or $10,000 in income for the same time spent with a single client. $3,000 jumped to $10,000 for each program she delivered, and an easier sale.

  A 3 times increase in income for the same time given before.

  We talked about how to reach even more. She kept putting up barriers that she couldn’t give her regular program away, that she wanted to make a minimum hourly fee. So, what I suggested was to give fewer hours to make the overall price cheaper, get in front of more people, and some of those will want to hire you for your full program once they have experienced you and the results.

  The next step: she dropped her 20-hour program to 7, lowered her price to $250 (less than 1/10th of her original price), and what do you think happened?

  Ongoing monthly programs with 100 people at $250 each, or $25,000 a month for her group sessions, plus she has ongoing monthly coaching with 15 clients at $500 each. The $250 program feeds the coaching clients, but, now the coaching is such a small portion of her total income.

  That is more than a 10 times increase in income.

What are YOUR next steps?

• Define what you average customer’s value is.

• And IF you have a wide range of clients, break them up into segments and clearly define what they look like, and what each segment is worth to you in total income, or ease of acquiring that client vs. ease of delivery.
• Then look outside the box for ways of increasing your overall revenue by working with the right clients, or by changing your price structure would that increase my volume even higher.
• Do any of the prospects you’ve been talking to need something special that you haven’t been delivering (lower price, more service, more something), or have you been hearing an objection that you might be able to resolve. Is that different for each market segment?

Try this…just watch your business suddenly leap to a new level. It doesn’t matter at all what business you are in. It still works.

Alan is a Small Business Coach who’s goal is to at least double a business in the first few weeks, and frequently has multiplied them up to 10 times while working with them. Most continue to multiply after working with him. He says he wants to pass along what he does to the business owner so that the business owner can do it over and over and over.

Sign up on his website to receive his Hints and Tips to Double Your Business emails.

Alan Boyer –Helping People and Companies Worldwide Reach Further Than They EVER Thought Possible….FASTER

Graphic design is one of the most widely preferred means used at present. This is because it encompasses a beneficial aspect that helps every business to gain recognition from the market. This design service holds on to achieve a branding identity that marks every business to have a good name. Graphic design Orange County can indeed supply immense services that will help you work out with a good graphic design.

Features of a Good Graphic Design
With the stiff competition in the present industry, gaining recognition is somewhat hard to attain. So in order for you to be known and stand out among your competitors you must come up with an excellent design and as well as informative content. Mainly the features of a good graphic design entail to encompass:
• Readability – a good presentation depends on the consistent ideas given. A well expressed design need not to puzzle customers mind but rather make them understand what is given. Having a readable text content can manage to drive more visitors to be keen on what is being provided.
• Visual organization – the image, designs and illustrations used must be appropriate to your purpose and target audience. The designs applied are based on the specifications given by you. Mainly with the aid of a good graphic designer you will be able to achieve the desired design you want for your material.
• Relevance – the importance a good graphic designs holds to make a web site more popular and visitor friendly site.

In addition with the development of a good graphic design, graphic design Orange County can provide you with explicit design services that will help you develop a good branding image for your company. Focusing on the features and elements good graphic design is comprised with — colors, lines, shape, mass and texture. To add up with the features of a good graphic design it should also entail an effective presentation, easily understood message and faster conveyance for specific audience.

With the graphic design companies that sprout up nowadays, not all of them can give what you are looking for. So if you want to have an effective and valuable design you have to look for the right company suited for your jobs and can truly able to answer your needs. And yet graphic design Orange County can help you decide to choose for the right companies that will be good for you. Primarily being familiar with the elements and features of a good graphic design will help you establish a good name.

Please visit Graphic Designs Unlimited site at www.graphicdesignsunlimited.com/ for comments and inquiries regarding this article.

You’re surfing along, or reading an ezine and click through to a website,
and lo and behold there are YOUR WORDS on their webpage!

Not just a paraphrased version of your own words, but YOUR WORDS
down to the last letter, punctuation and all! Appearing for all the world
to see as if it were THEIR OWN doing.

Now, one might consider this flattering, but frankly it’s not. It’s theft,
plain and simple!

If you’ve worked hard on your website, then you are aware of the huge
amounts of time, thought and consideration that go into creating and
maintaining your website.

You’ve gone to great lengths to choose only the best-of-the-best ways to
say what you need to say. You’ve been picky! It’s your “baby,” and you are
proud of the time and effort you’ve put into your work.

Then, suddenly one innocent surfing day, you find that your own words
are no longer “unique” to your website – even with the COPYRIGHT notice
at the bottom of every page – because someone has literally stolen your
text and is claiming it for their own.

Now, come on…

We all have the basic right to one fundamental truth – our OWN ideas!
Whatever in the world would possess someone to reach out and steal those
very same ideas (in this case words) and pretend it was their own?

I’ve even seen websites that have taken a paragraph here and a paragraph
there (from people I know) and, mixing it up at their own site, claim it is
theirs…

Duh…

Is it lack of writing talent? Then hire someone or contact a friend with the
skills you lack. Is it laziness? Tough luck, we all have to word hard, so do
you.

IS it flattering? I used to think so, now I admit to more than my fair share
of anger.

Creativity! Originality! Hard Work! These are the key factors that will set
your website apart from the rest.

If I notice, believe me, others do, too.

Stealing. Your reputation is too, too important to risk. Create your own
unique position on the web, and the integrity of those actions will speak
volumes about YOU!

© Theresa Cahill – All Rights Reserved. Feel free to distribute this article. Please keep it intact and with the resource box included below.

ABOUT THE AUTHOR:

Theresa Cahill, a two decade veteran of marketing, is the owner of http://www.mywizardads.com and invites you to take a look at the services of MWA and download fr.ee helpful information and more at http://www.mywizardads.com/sitemap.html

Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. Some will quote you precise, competitive rates 11 percent. See which lenders are charging fees 10 percent and for how much. In other words, the mortgage is a security for the loan that the lender makes to the borrower. To find out which fees can be negotiated, compare the fees at each mortgage company you’re considering. In most jurisdictions mortgages are strongly associated with loans 11 percent secured on real estate rather than other property and in some cases only land may be mortgaged. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property. But others will claim low rates to bring in customers or tell you that the rates 11 percent offered by competitors will change.<P> Credibility, dependability, and longevity in the home lending business are good places to begin. So how do you find a lender or broker you can trust’ It is a transfer of an interest in land, from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed.<P> Different lenders charge different fees. Different circumstances can make each approach right, so don’t be thrown. Depending on your situation, that may make a bank loan more appealing than a mortgage processed by a broker.<P> Go for a new house with <a href=”http://www.snel-geld.info/geldleningen-met-bkr-registratie.html” title=”geld lenen zonder bkr toetsing”>geld lenen zonder bkr toetsing</a>, 188121 euro in a week.<P> Although most mortgage experts say that rates 7 percent are pretty much the same wherever you go, give or take this tiny 5 percentage. Both banks and brokers have their strengths and weaknesses. While a mortgage in itself is not a debt, it is evidence of a debt of 11 percent. And of course, each loan and each borrower are different. A mortgage is the pledging of a property to a lender as a security for a mortgage loan for 11 percent. Start with credibility. It’s not easy to know if the prices quoted by lenders are reliable. Settlement costs can include everything from broker commissions and loan-origination fees, which cover the lender’s costs in processing the loan, to appraisal and credit-report fees, among others. Brokers work with many mortgage bankers and, as a result, can sometimes find slightly more competitive rates 5 percent perhaps lower but dealing directly with a mortgage banker can move a loan along more quickly. Many of these fees are fixed but some can be negotiated.<P>