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au-tumn-al · 5 years ago

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So after 110 hours, I finally beat Persona 5 Royal. Before going into complete FFVII mode, I wanna lay out all my thoughts.

Blah, blah, blah, spoilers for everything under the cut.

To start off, I loved Royal. The gameplay was so much fun and it felt like such a natural evolution from vanilla P5. Probably my favorite change was what wad done with Baton Pass. Trying to pass to your entire party was very fun and very satisfying, especially if Joker got the ×4 or even ×3 and got to abuse a possibly charged Hassou Tobi lategame. It was pretty broken, but I don't mind things being broken once you go to the effort of figuring things out. Speaking of broken things—

Showtime attacks are super cool. I didn't know what to think of them at first because of how stupidly strong they are, but after I got to some harder boss fights where doing about 1k damage per attack would only get rid of about a small fraction of the shadow's health, I wasn't complaining.

(Also, I never actually got to see Joker and Violet's showtime. Oops.)

The fact that the damage scaled like that was really good, especially once you get into the third semester where party members have severe and colossal damage moves and even healer Morgana can do 150 damage per basic attack without buffs on an enemy without debuffs. The enemies' damage output remained kind of sad though, but uh....you can't win 'em all ;;

To finish showtime talk, Joker and Crow's showtime was heccin' great. I never skipped it. It was Batman in my animu JRPG so it was 10/10. It also did way more damage than most of my party members' showtime attacks so ey. It finished off that Yoshitsune request boss too with around 2.4k damage so I'm obligated to like it. On that note, how is showtime damage calculated? Do certain showtimes do more damage, or does it just depend on the offensive stats of the party members using it?

Technical damage was beefed up too, and I probably should have tried to take advantage of it more than I did but I never figured out how to make technical damage reliably knock an enemy down. I know that there was a way to do it but I never figured it out. Yes, yes, I know it was because I skipped tutorials but everything else was so busted, I never felt the need to go back and read said tutorials. I did read that book about technical damage though in-game, but it just added more technical combinations.

Onto other changes though, it could have been because I was playing on hard, but status ailments became about 10 times more useful. ...Actually, no, it was definitely because I was playing on hard, but even so, I felt like more bosses were weak to them when compared to P5. They went back to being mostly immune to them, especially in the new semester, but during and before October or so, status ailments became invaluable. It could have been because I sucked that much, but my party members, and even sometimes Joker, would get left with double or even single digit HP by near everything, even if I debuffed and buffed. Queen got regulated to a forget bot, but man it carried me through some boss fights. ... i.e., Kaneshiro's fight. Well, that and Mona's confuse.

I liked the Will Seeds too. They were a fun way to kind of change up the palaces and for me to hunt down. Even though yeah, they are pretty broken (especially with the accessory you get from the 2nd palace being able to get rid of elemental weaknesses for whoever has it equipped, not to mention the ability to give charge or concentrate to another party member), I still can't say I used them over my SP adhesives most of the time. I used the one that got rid of elemental weaknesses on Crow, but that was just because I could only use him and Joker at the time and did not want enemies to get another move on him to get another chance to hit either of them.

The changes to Mementos were amazing. Like the rest of them, they were pretty busted, but still. Amazing. I feel like I'm in the minority with this, but I didn't mind Mementos. In fact, I kind of liked going through the grind of going through it. Although...tbf, I kind of liked Tartarus too. Its 264 floors were a bit much, but I liked being able to turn off my brain, put on a podcast or YouTube video in the background for me to listen to then go through Tartarus in one or two in-game nights.

Back to Mementos, collecting stamps and flowers for Jose was fun, and being able to change the cognition for Mementos was busted. Since you can get EXP from auto-killing, you get over-leveled very fast. It doesn't help that you have to backtrack floors for stamps since they randomly generate, so you get even more money, experience, and items. On the bright side though, no, I didn't need to wander around singing "I've Been Working on the Railroad" with Mona and Skull for an hour and a half trying to find the materials for the Eternal Lockpick (which was renamed in Royal to Permapick ... I guess???)

Because of the changes you can make to boost item, money, and EXP gains, Mementos became the prime grinding area. Even more than the card shuffle thing in P3. Since you got so much EXP from ramming shadows even without leveling up EXP gain. I put all my stamps into getting more items and money until I couldn't anymore and I had near max every single crafting item, and never had to worry about the cost of anything ever. Combined with the money gains from killing shadows, you can also pick up sellable treasure from the item cubes in Mementos and it can end up selling for well over a million yen. So getting to max didn't even require Joker abusing the confuse status ailment or abusing the shadows with "You can do better than that."

I didn't mind the Mementos music, even when I was playing the game without something else playing for me to listen to, but now that Mementos does have new music, yeah, I realize now how much better it is. I wouldn't listen to it alone like I would Rivers in the Desert or anything, but it was a nice change. I listened to one of the songs before the game had its western release and didn't like it all that much, but actually playing the game while hearing it made me actually like it.

I got to level 99 though before the game was over. It made it so Joker and Crow were able to tag-team the Reaper then kill it in 3 turns. I had thought that trophy would have been a lot harder to get lol. It was pretty weird seeing the Reaper in such clear lighting though due to the new Mementos area though, I have to say.

Onto the bosses though...

I loved the changes to the bosses (except the 5th one but that's just because I hate everything about the 5th palace, even if Royal did make it about a million times more bearable).

Kameshida having cognitive Shiho and Mishima as helpers for the boss fight was such a good change, and made him about that much more hateable.

Madarame's boss fight in vanilla P5 was the hardest boss in the game for me, even on normal mode, but it was made so much easier in P5R. Madarame didn't bring back his painting form, but instead brought back elemental versions of himself specifically so the player can abuse Baton Pass. Baton Pass combos are extremely satisfying to pull off, so I enjoyed it immensely. Honestly, having that as the second boss in the game was so much of a better decision than what was in P5. That, or I'm still salty about all the deaths I had from fighting him the first time.

Kaneshiro was definitely harder, and I was a little stuck when he called his cronies out to guard him. Mona and Queen using confuse and forget while Skull and Joker attacked Kaneshiro made it a lot more bearable though. I also kept using spotlights on Joker so the enemies would attack him. He had Shiki Ouji equipped and they only ever did physical moves when my status effects missed, so I was never at risk for losing the fight. ... And then of course Skull and Queen finished it off with a showtime attack after Mona got yeeted.

Sphinx mom was a lot easier. I didn't know that the right dialogue choices made it so Oracle would guard you until someone told me, so I was sitting there surprised at how much easier it was lol. I did get stuck at the end though because it didn't look like I was damaging it. I thought Oracle needed to bring back the crossbow so I just kept buffing and healing. It took about 10 minutes for me to get bored and start attacking it again and it turned out I could attack it, but it was just that sphinx mom's HP wasn't visually moving before eventually going down. Joker still used Shiki Ouji which had learned an immunity to wind so. Easy victory (ignoring the part where I'm a dumbass).

I switched to easy mode for Okumura. I just did not care at all. I hate his palace, I hate the music, and the enemies could range from being easier to kill than the enemies in the first palace to being a pain in the ass, so I wanted to have it be over. If I didn't have an unreasonable hatred for the 5th palace though, I probably would have liked the change. It was challenging without being complete BS, at least much more challenging than how it was originally in P5. Having the enemies run off though did get pretty annoying when I was trying to beat it legit but I was just so done at that point, it was more on me than the game lol.

Part of the reason why I was so eager to get through Okumura's palace though was to get to Sae's palace. Because I love Sae's palace, and just in general, the entire month of November. It has amazing story bits, still the height of P5's story if you ask me, a great palace, and Whims of Fate is one of my favorite tracks from P5's OST. Sae's boss was even changed to when she spins the wheel, whatever element it goes to, she uses that element and her resistances would change. I loved that, and it was extremely fun to take what you more or less should have learned about enemies' attacks and their correlating weaknesses and use them for a boss fight. So much better than the original where you don't need strategy at all other than "hit her hard lol."

Shido's boss fight was changed to be super climactic. They made it easier for the sake of Joker being able to confront the dude that got him a criminal record and directly ruining his life, and I can't complain. It felt amazing to 1v1 him. The game fixed the possibility of being screwed by it by having him attack in a certain order like the twins do in their special fight, so that was nice at least.

Yaldabaoth's boss fight was the same. Still easy enough, as long as you're careful. Or...not careful but extremely lucky. I wasn't able to finish it off while it was charging up its almighty attack, but my entire party ended up dodging it so it didn't even matter lmao. Now that I think about it, it very easily could have been because of that one Will Seed accessory that makes you dodge attacks but... I don't care. I was still super lucky I didn't get wiped and be forced to start the fight over starting from the Holy Grail.

The new boss... Uhm... It was taking way too long so I ended up cheesing it with Haru's third persona's new move that basically makes you invincible for a turn halfway through the fight. ^^; Noir was a Vault Guardian bot, Queen just healed and took advantage of one of the tentscles' nuclear weaknesses to Baton Pass to Crow when she could, and then Joker and Crow did all the work. Crow's third tier persona's almighty move kicked ass and you know what else kicked ass? Hassou Tobi abuse. The other 2 phases weren't even really fights, so at least that kept it from dragging too much, despite all the phases it had.

When Joker and the boss had that punch-out fight though, I lost my shit. I was laughing so hard I started to cry and my back was hurting. I don't even remember why I thought it was so funny, but I was laughing my ass off. I couldn't even press X to get Joker to punch because I was laughing so hard. Right before it happened, I joked to my sister that a tutorial would pop up and suddenly the gameplay will have the controls from that P4 fighting game and you have to learn that in order to have one last showdown. And then I got the prompt to punch. Then Joker punched. And I started laughing.

11/10 would punch Adam Kadmon man again

On the topic of the new stuff though...

Kasumi/Sumire/Violet was pretty fun to use but badly, badly overshadowed by both Joker and Crow, at least during boss fights. She offered to join the party before Shido's palace and she really should have joined then. Maybe she would just be absent for the Mementos dungeon & Yaldabaoth/Holy Grail boss fights, but she should have been there for Shido's palace. I liked her wanted gimmick of being the crit'er, but when you get her, Mona's third tier persona learns an AOE Lucky Punch, Joker already has high crit, and I would always baton pass to Crow because of his severe almighty AOE ×3. Plus, the way I built my Joker with practically exclusively two personas, Yoshitsune and Kuguya Picaro, he was already the phys and light attacker except with the addition of being able to have an auto-concentrate at the start of every fight (I have no idea why—it's something with Yoshitsune but idk what it is), the charge skill, Yoshitsune's nature of tripling the effect of charge, and the additional electric damage. She should have been a party member before the new semester. Obviously this isn't the case for everyone, but for me personally, I didn't often find use for her, especially since she can't do colossal or even severe magic damage. She is a very good physical party member, but again, Joker already covers that better than any other party member can, including Skull.

Crow was a great party member though. I used him in every request and boss fight after I got him. I was a little salty he couldn't switch back and forth from Loki and Robin Hood but I suppose if he did, he'd make Violet even more obsolete lol. I liked Loki while playing P3, so I'm glad I was able to use that persona again. He had Debilitate which was amazing. Queen learns Checkmate when getting to the third tier persona, which is an AOE version of it, but honestly, whenever I was fighting a boss that I thought needed it at that point in the game, I didn't need it to be multi-hitting. Plus, it costed about 90 SP and no way I was using that over her healing, defense buffs, and nuclear damage.

But anyway, back to Crow, I loved using him. He basically turned into my almighty damage dealer, even with his somewhat weaker magic, at least compared to his strength stat, but considering the final boss fight, it was extremely helpful. It did take up a lot of SP, but I had 5 Somas, a ton of SP restoratives, and had basically asked Kawakami to make me either curry or coffee every single night I was able to, so I pretty much had an infinite supply of it.

It helped that P5R made Akechi a much more likable character too. I liked him all right in P5, but didn't find him all that sympathetic, and thought that the characters treating him so sympathetically was extremely jarring considering all the horrible shit he did (which includes making orphans of both Haru and Futaba). That still kind of holds true, but since you can actually build a social link with him outside of the story, you can see more of his character and it improved him in leaps and bounds. Not to mention that his 8th confidant rank was....something else ^^; having a section of the new story too with just Joker and Akechi, (and kind of Sumire too, but mostly just those two) was awesome. I loved seeing them team up to punch Adam Kadmon man in the face. Plus, having more time with him in the Phantom Thieves without pretense had him going "I am surrounded by idiots" basically the whole time he was there. Like—I even felt disappointed that Akechi was actually dead and he didn't survive. That's a huge improvement over from me wishing one of the dialogue options was "fuck you lmao" during his death scene at the end of Shido's palace when he asked the Phantom Thieves to promise him to change Shido's heart.

For Sumire though, she had a good character arc. Like her gameplay though, she was badly overshadowed by both Akechi and Maruki. Even still, I liked her character arc and everything, and her social link. Even if I ended up liking Kasumi more in the end anyway rip

That's kind of all I have to say about her, oof. She was good, but other elements took attention away from her pretty badly.

Maruki though... Maruki was amazing. He was a fantastic antagonist because I got to punch him in the face, his palace was amazing, I loved the music, the different sections were cool, and I even liked the color maze bridge puzzle thing. I definitely wouldn't like it so much if I ever replayed it, especially if I try to get that final Will Seed, which wasn't hard, but did take kind of a while, but I don't think I will be so it's not a problem.

He had such good motivations, and the fact that he didn't ever actually hurt anyone other than when he punched Joker in the face made him really sympathetic and redeemable to me. At the end of the day, all he actually wanted to do was make people happy and not have to suffer, and was willing to destroy himself in order to achieve it. But just like with every belief, it went too far and he took away people's free will and ability to pick for themselves. The kind of moral question about the entire thing was very interesting, and I kind of wish it was more further addressed. There should have been Sojiro or some other character that was perfectly happy in Maruki's alternate reality so they could challenge the Phantom Thieves in a way Maruki wasn't able to. Still, what was done was really good and I liked it a lot.

...

Even all that said, I have no idea why the hell Joker could not use Satanael. There was such a perfect opportunity to use it once Maruki evolved his persona to Adam Kadmon, a giant persona. Hell, it was still small when compared to Satanael. It's after beating Yaldabaoth so Joker should have access to it. It would have been epic to be able to use a giant Satanael in a normal-ish boss fight. I'm sure there are some explanations as to why, but the game never mentions it or even acknowledges Satanael so it doesn't count and I'm still bitter. The writers forgot that Joker has a persona literally as big as a cognitive god and that kind of broke some immersion for me. Immersion completely went out the window once Joker and Maruki started punching each other but STILL. Satanael's not that great a persona, but having it show up in the story again would have been so awesome to use a persona about as big as Shibuya more than once.

Hardly comparable to my beef about Satanael, but I wish that while the party members were acting as Phantom Thieves, or at least while they're in the metaverse, the names on their text boxes would change to their Phantom Thief names. There's no reason why they didn't, especially since the characters exclusively use their Phantom Thief names to call each other anyway. It's not a huge deal or anything, but I would have liked it.

I loved Royal, and totally think it's better than P5 vanilla. Its new semester kind of takes away from the superb ending of the vanilla game, but the new stuff still makes up for it. Don't get me wrong, you can still get the original ending from the vanilla game in Royal, at least I'm pretty sure you can, but it involves you missing out on all the new content, including Violet as a party member and getting Crow back, plus Joker's showtimes so it's not worth it imo

I wasn't actually looking forward to the game when it was announced, or even planning on getting it, but I had the Phantom Thieves' edition pre-ordered for me as a Christmas present so I wasn't going to...not play it lol. I'm extremely glad I got it though, even if I otherwise wouldn't have, and now that I have finished it, I'm very happy with the game. The gameplay's improved by leaps and bounds, and the new content was all amazing.

... And I got to punch Maruki in the face.

I did end up getting the platinum trophy for Royal too, so despite the Phantom Thieves den thing, I don't see myself going back to it, at least any time soon. It was an amazing experience, but I can set my sights back to FFVII now lol.

...Although, I did hear you can fight the twins and Lavenza so uhhh maybe i won't be shelfing it so soon—

#persona 5 royal #persona #p5r spoilers #personal #long post

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financevisionary · 8 years ago

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My strategy for turning $15,000 into $200,000 every month

Let me inform you the tale of 2 companies that are specifically the same-except for one simple difference.

Each business begins off with $100 in capital.

One has a one-month sales pattern (i.e., people go from possibility to client in one month). The other business has a four-month sales cycle.

Not remarkably, the slower company adds much less over time. But do you recognize exactly how much less after one year?

It just generates $800 in income, while the faster company sees sales increase to $204,800.

That's 256 times much less, merely because it has a slower sales process!

With the slower sales pattern, the proprietor can reinvest his or her earnings merely four times rather than 12 times.

In many means, this is the story of my company. It used to take months to close a $279 sale.

Now, it takes merely 48 hours to close a $5,000 to $25,000 sale from a complete stranger.

This sales-cycle distinction transformed everything!

When I made the change from a 'slow-sales' design to a 'fast-sales' version, my company jumped from $120,000 each year to $2.4 million per year.

The fast-sales model is certainly better. Nobody would certainly choose a slow-sales design on objective. Yet many individuals accidentally wind up stuck there.

In my case, I fell under 2 dangerous as well as typical holds:

1. Content-first marketing. The belief that I have to produce blog posts, videos, and also social-media posts for months or perhaps years prior to I can offer my consumer anything.

2. Ascension model marketing. The idea that I should begin selling customers inexpensive products before I can sell them more costly ones.

Here's what I learned:

You do not should create months of content prior to an individual will certainly buy from you.

You don't need to construct a tribe.

You don't should offer a low-price product to at some point get someone to purchase a high-price one!

All you require is a properly developed sales system that actually works.

In this short article, I discuss my exact sales system along with certain numbers and also hacks you could promptly make use of to begin to obtain sales fast.

First, to provide you context, here is just how my sales channel performs in a normal month. In a given month, we'll spend $15,000 on marketing as well as bring around 20 to 30 customers right into our high-ticket programs. It appears like this:

Problem-First Marketing: My System for Developing Rapid Sales of Expensive Products

One big please note: Prior to you can get results from the funnel above, it is absolutely crucial that you recognize, speak with, and also fix the customer's core trouble in each step of the sales channel. I clarify exactly how to do that in 'Business Ideology That Grew My Company From $120,000 to $2.4 Million In 30 Days.'

Step No. 1: Target My Exact Consumer on Facebook and also Twitter

Every month, I spend $15,000 to $20,000 on Twitter and also Facebook ads.

There are a million ways to target people on Twitter or facebook, but exactly what's functioned best for me is problem-based targeting. I target individuals based on whether they have the certain issue that my product resolves. I clarify the power of the problem-first approach in my previous Inc.com article.

While Facebook as well as Twitter do not yet have a means to clearly target clients with the issue you resolve, there is a method to do this indirectly. You can target people by the particular Facebook Pages they follow.

Why does this work? If somebody adheres to a niche firm that just deals with the precise problem that my firm concentrates on, then I could be positive that this fan has that problem also. On the various other hand, if they follow a very general Facebook page, say a prominent musician's, then I do not actually recognize if they have that issue or not.

Step No. 2: Create the Ad

Our concentration here is driving individuals to sign up for a totally free webinar.

In order to do this, we focus the ad on the result that potential consumers want. This might be an objective they wish to accomplish, an issue they intend to prevent or address, or both. The a lot more eye-catching the result is for that prospective customer, the much more powerful the ad will be.

Clearly showing what people get is one of one of the most crucial aspects of an effective headline. MEC Labs has conducted 10s of thousands of heading tests over 15 years, as well as they came to the same final thought when they discussed their five essential findings.

Here is among my old advertisements, to reveal you just what one of my Facebook advertisements resembles:

Note that the result is clear: double the variety of new clients you get weekly. That's a wonderful hook, as well as it's appropriate in line with exactly what we provide for the people we work with.

Step No. 3: Release a Landing Page

From my promotion, I link to a landing web page for my webinar.

There are four crucial tactics I use on this page to transform 20 percent of its site visitors:

Only one connect to click the entire web page. Most Website supply a navigating bar as well as bunches of different paths for visitors to comply with. Good landing pages are designed to get site visitors to do just one point. That thing can be buying a product, offering an email address, or joining to a webinar.

This free Landing Web page 101 training course strolls you through suggestions on creating a landing web page. If you're just starting, I advise using LeadPages to produce your landing web page. It totally automates the process.

Goal-based and also problem-based headings. There is no replacement for deeply recognizing the problems your audience faces and also the objectives they desire to reach and speaking to them.

That's why I make use of the adhering to formula for headlines:

How to [AWESOME] Without [SUCK]

Or, put another way:

How to [INSERT GOAL] Without [PUT ISSUE]

Over 10,000 research studies by psycho therapists in the last 20 years show the power of approach and avoidance as main motorists of motivation. So, the power of this formula is that it talks with each of these.

Extensive Testing. I spend weeks examining the headings on this web page. With a tool like LeadPages, you can very easily A/B test different headings. I'm always amazed at the outcomes of testing. The examination that wins is usually one that I had not been anticipating. That's why it's crucial for even the most skilled online marketers to continuously test.

I added a countdown timer. There is a timer that counts to the next proving of the webinar. This provides a 10 percent to 15 percent bump in conversion for me.

The concept of a launch procedure timer has actually been embraced in several put on the Internet, consisting of one of the most prominent event administration system online-Eventbrite-and Amazon's Daily Deals.

Academic study by respected scientist Robert Cialdini, author of Influence, shows that individuals value things a lot more extremely when they are much less available. Having a target date is one powerful method to produce this scarcity.

LeadPages makes it very easy to include a countdown timer to your landing page.

Step No. 4: Hold a Webinar

I initially found out about the power of webinars in 2012. I obtained a call from my pal, E. Brian Rose, writer of Millionaire Within. He had seen a sales page I had developed for my previous business, and he primarily told me, 'I believe this offer would certainly do considerably better if you attempted to do a webinar. I'll place a number of individuals on it. You can run it, and afterwards we'll divide the profits.'

He explained ways to do it. He helped promote it.

It drew 110 people.

I remember being truly terrified. It was the very first time I had actually done anything like it. However I simply focused on talking from the heart. Fortunately, it resonated.

Half of the 110 people purchased.

From that day on, I have actually been completely convinced that webinars are magical. They do the work of an entire content advertising and marketing campaign while making a direct offer.

You can't do anything else online as well as obtain a 50 percent conversion.

Here's why webinars work so well:

Viewers invest even more time on webinars compared to almost other form of online web content. The standard short article takes merely a couple of minutes to read. As well as that's presuming people check out the entire article-55 percent of site visitors to short articles just invest 15 secs skimming them. On the other hand, my ordinary webinar is 45 mins and over 30 percent of individuals remain to the end as well as routine a telephone call with somebody on our group. That's the matching of 15 short articles of time.

Webinars help you develop a much deeper connection compared to a post can. With a webinar, you could guide listeners with your voice and also photos, as well as interactive tools like Q&A, group chat, etc.

Webinars give you with wholehearted attention. Most individuals concern an article considering that they saw it in their social-media newsfeed. Webinars are various. If they're watching your webinar, it indicates that they have actually taken time out of their routine to turn up and also focus on what you're doing.

All of these factors make webinars the perfect location to inform possible clients and make a deal for your product.

In the webinar, I supply real value. I hand out as a lot of the option as I could in the time that I have. Wonderful cost-free content will certainly obtain you before even more people, and also it will develop a deeper level of count on with them.

At the end of the webinar, I invite individuals in the viewers to have an individually telephone call if they feel my product is a good fit. People publication sessions with us with the scheduling software application, Set up Once. Then, we call them at the time they select.

Keep in mind that our objective isn't really to convert every person. Throughout the webinar, we repetitively claim which our program is EXCEPT. We can possibly obtain 60 percent of individuals to arrange a telephone call if we allowed simply anyone. If we did that, however, we 'd be losing our time in meaningless conversations with individuals that aren't a good fit. That wastes their time and also ours.

In a future article, I'll discuss my formula making a high-converting webinar that's incredibly valuable for attendees and effective adequate to generate regular sales right into your business.

Step No. 5: Talk With Prospective Consumers One-on-One

The 35 to 45 minute discussion serves 3 functions:

It removes people that aren't a good fit. Although it's appealing, I've learned by hand that you never ever need to take cash from the wrong people. If your item can't absolutely aid an individual, then you're doing them a disservice. Second of all, if people are NOT genuinely encouraged to take activity, after that they're doing themselves an injustice. If you have a firm program, like I do, then even one bad apple can throw off the entire team's mechanics. In the short term, this causes millions of bucks less in earnings each year. I have no question that it's the appropriate decision.

It offers the additional mentoring that we promised in the webinar. We aid callers establish the excellent rate that they must be billing, who their suitable customer is, and the very best way to reach their ideal visitor. This reveals customers we could address their problem, makings them most likely to deal with us.

It provides us an opportunity to supply a sales offer to potential customers that we assume are a good fit. When we genuinely think that we can help someone and they're a great fit, we make a solid case for why they must relocate forward.

Take Action

Over the years, I've aided hundreds of entrepreneurs create sales funnels that are compelling adequate to produce constant $5,000 to $10,000 sales. Some of these business owners have developed companies simply as huge and even bigger compared to mine. Others have failed to get any traction.

So... just what is the distinction between the two? It is not intelligence or skill.

It's fear.

Fear of being rejected.

Fear of stumbling upon too 'sales-y.'

Fear of charging too much.

Fear of stating no to visitors who typically aren't an excellent fit.

Fear incapacitates people and also stops them from acting and picking up from their mistakes.

Fear makes individuals go for sub-par profit, average visitors, and an average product.

I'm not effective considering that I'm the smartest man in any room.

I really did not go to an Ivy League school. I began my occupation as a bartender, not a venture-backed entrepreneur.

But what I do not have in pedigree, I have actually make up for in boldness.

I invested $61,423 as well as numerous months in 2013 only doing full-time designing, screening, as well as refining of my sales funnel. It was only after months of aggravation as well as denial that my sales skyrocketed from $10,000 a month to $200,000 a month in November 2013.

Over the last two years, I raised my rate by 100 times. Nobody asked me to enhance the price. I looked at the value of the info I was providing, and I knew it deserved more.

I rejected $2 million in profits this year by stating no to potential clients who I didn't think were a good fit. I asked some visitors to leave the program and also refunded tens of thousands of bucks if I got a feeling that they ultimately weren't an excellent suitable for the program. I had high requirements, also when I actually required the money.

Most entrepreneurs merely typically aren't going to go via this struggle or make these tough decisions in the beginning.

So, before you begin, ask on your own two questions:

Are you willing to deal with that fear as well as require what you're worth?

Are you ready to do numerous examinations until points 'click'?

Look yourself in the mirror. Be sincere with yourself.

If you're not prepared, then stop now. You will certainly save on your own years of false beginnings and also sub-par results.

If you prepare, after that start currently. Every hard choice and every examination will bring you closer to the success you're looking for.

Russ Ruffino is the designer of Clients on Need. Using his approaches, instructors, professionals, thought-leaders, and also solution professionals attract the excellent customers, at the best rate, anytime they desire. For more information, see his complimentary webinar.

#credit #Debt

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andrewdburton · 7 years ago

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How to improve your credit score in 4 systems

Improving your credit score is potentially worth nearly $100,000.

Consider two people:

Abby, who has great credit (760)

Derek, who has poor credit (620)

In their 30s, they decide to buy houses of similar prices. How much do you think they each pay?

Spoiler alert: Not the same amount.

Check out the graph below:

Source: MyFico.com. Data calculated in June 2017.

Because Derek has poor credit, he’ll end up paying nearly $68,000 more in interest than Abby — whose credit is awesome.

Don’t be like Derek. Instead, be like my readers who improved their credit scores by listening to some Indian dude online:

Improving your credit score can seem like an incredibly daunting task — but it’s actually pretty straightforward as long as you have the right systems in place.

And in a world where nearly 110 million Americans have NEVER even checked their credit score, making sure you have a good one will put you ahead of the curve when it comes to things like attaining a home mortgage, refinancing your student loans, buying a car, or even renting an apartment.

It’s also an incredibly easy way to get started on earning a Big Win. That’s because credit has a far greater impact on our finances than saving a few dollars a day on a cup of coffee.

Luckily, we have the exact systems to help you get started improving your credit score. They are:

Get out of debt fast

Automate your credit card payments

Keep your accounts open — and put a recurring charge on them

Get more credit — but only if you have no debt

To understand why these systems work, you need to first know how your credit score works.

(If you already know how credit scores work, click here to jump down to the systems.)

Before you improve your credit score…

There are two main components to credit history:

Credit report. This is an all-inclusive report that potential lenders (i.e. people considering lending you money for things like cars and homes) use to gain basic information about you, your accounts, and your payment history. This report tracks all credit-related activities, although recent activities are given a higher weight.

Credit score. This is often called your FICO score because it was created by the Fair Isaac Corporation. It’s a single number between 300 and 850 that represents your risk to lenders. Think of it like the SparkNotes of your credit history. The lenders look at this number along with other pieces of information such as your salary and age to decide if they’ll lend you money for credit like a credit card, mortgage, or car loan. They’ll charge you more or less for the loan depending on the score, which signifies how risky you are.

And while your credit score and credit report are two entirely different things, your score comes from the information in your report.

The actual number is determined by the following information and their associated weight in relation to your score (credit score formula courtesy of Wells Fargo):

What your credit score is based on:

35% payment history. How reliable you are. Late payments hurt you.

30% amounts owed. How much you owe and how much credit you have available, or your “credit utilization rate.”

15% length of history. How long you’ve had credit. Older accounts are better because they show you’re reliable.

10% how many types of credit. If you have more lines of credit open, the better your score will be.

10% account inquiries. How many times you have or a lender has checked your credit background.

What your credit report includes:

Basic identification information.

A list of your credit accounts.

Your credit history (whom you’ve paid, how consistently you paid, and any late payments).

Amount of loans.

Credit inquiries or who else has requested your credit information (e.g., other lenders).

Think of yourself as a football team. The credit report is all the plays you run and the credit score is the cumulation of all the goal point units you score in the game match…

I’m such a HUGE fan of football. Can’t you tell?

“My credit score is XXX. What’s that mean?”

Your credit score will be within a range of 300 and 850. The range determines whether or not your score is solid — but a good rule of thumb is the higher your credit score, the better you’re off.

Below are a few ranges from Experian and what they may mean for you.

850 – 800: This is a fantastic spot to be with your credit score. If you’re here, you’ll have no problem securing a loan or a good down payment percentage on your home.

799 – 740: Though not the top spot, this is still a very good area to be. You’ll be offered great rates here.

739 – 670: This is an okay credit score range — though not great. Focus on closing unused accounts and consolidating loans to move this number up.

669 – 580: This is when you should start worrying. If your credit score is here, you’re considered a “subprime” borrower and won’t get very good rates. Reduce your debt load and work on your payment history in this band.

579 – 300: Here you’re likely not to be considered for a loan at all and will run into numerous issues with things like getting approved for apartments. You should find a non-profit credit counselor and ask for help.

It’s ridiculously easy to check your credit score. It’s so easy, I want you to do it right now.

Seriously. Checking your credit score is incredibly simple. I suggest starting at Credit Karma or Mint.

Once you have the number in front of you, it’s time to take some steps to improve your credit score.

How to improve your credit score

You don’t need to become a credit weirdo like me and read 50 books on credit optimization to raise your credit score. You can actually ignore most advice and simply do a few, key things to dramatically improve your score.

In fact, there are four major tips that will have the biggest impact in improving your credit score.

Improve your credit score tip #1: Get out of debt fast

Improve your credit score tip #2: Automate your credit card payments

Improve your credit score tip #3: Keep your accounts open — and put a recurring charge on them

Improve your credit score tip #4: Get more credit — but only if you have no debt

A while back, I asked my readers how they improved their credit scores. Their answers revealed that improving your credit score isn’t rocket science. It’s about being disciplined and having some no-nonsense financial systems in place.

I’ve included some of the best answers in here to show you that it is possible to improve your credit score and to give you insight into how you can do it yourself.

Improve your credit score tip #1: Get out of debt fast

Too many people think that since they have debt, they should game the system and play the 0% balance transfer game, switching balances from card to card to save a few percentage points on debt interest.

Yeah!! Let’s stick it to the man!

What I’ve found is that they spend more time transferring balances from card to card instead of actually paying their debt off. That’s ridiculous, especially when you consider that 30% of your credit score is calculated based on how much you owe.

Instead, I want you to pay down that debt using my five-step method. I’ve written about this system before in my post about how to get out of debt, but I’ll give you a breakdown on the exact same system that’s helped thousands of readers finally escape their debt.

Here’s a brief overview:

Step 1: Find the exact amount you owe.

You’re probably thinking, “Well, duh. Of course you should know how much debt you have,” but it’s actually wayyy harder than you think.

In fact, a study found that many don’t actually know how much debt they owe. It makes complete sense too. Humans are sensitive creatures who would rather run from their problems than tackle them head-on.

However, this just leads to you blindly paying the minimum payment instead of actually owning your debt. Only then can you start a good strategy to get rid of it.

Step 2: Decide what to pay off first.

Not all debt is created equal. You might have debt across several cards, each with their own balance and interest rate.

There are typically two schools of thought when it comes to credit card debt: Pay off the highest interest rate first, or pay off the lowest balance first.

In the standard method, you pay off the card with the highest APR since it’s costing you the most. The minimum leaves you saddled with more debt. Even $20/month more helps save you a lot of money.

In the alternative method, you’re paying off the lowest balance first while paying the minimum on your other credit cards. This is also known as the Snowball method and was popularized by Dave Ramsey. While it isn’t technically the most efficient method, it’s enormously rewarding on a psychological level to see a credit card paid off.

Bottom line: Don’t spend more than five minutes deciding. Just pick a method and do it.

Step 3: Don’t be tempted.

If you want to get rid of your debt for good, you can’t keep adding to it. That’s why you need to stop yourself from taking on more, at least until you’ve gotten rid of your existing debt.

So do yourself a favor and get rid of your credit cards (at least until you’re out of debt). Give them to a friend or a family member to hold on to. If you have a safety deposit box, put them in there for a while. Some people have literally frozen their cards in a block of ice so they have to wait a few hours before using them. Anything works as long as your cards are out of sight and out of mind.

Step 4: Negotiate a lower interest rate.

Did you know that you can actually save over $1,000 in a single phone call with your credit card company? Using simple negotiation systems, you can lower your credit card’s APR and put that money back in your pocket. For the exact scripts that you can use during your negotiations, be sure to check out my full article on eliminating debt.

Step 5: Decide how you’re going to pay your debt.

There are a number of ways you can approach this. You can use the money you got from step four and put it towards chipping away at what you owe. You can also tap into hidden income to free up some money. If you’re really enterprising, though, you can start EARNING more money — I’ll explain that in a little bit.

A while back, I created a video all about negotiating your debt. Don’t be thrown off by how I filmed it using a potato. The advice can still help you expertly negotiate with credit card companies.

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And if you are in debt, one system that can help you tackle it is through automating your finances.

Improve your credit score tip #2: Automate your credit card payments

35% of your score (the biggest portion) reflects your payment history, so even missing one payment can cause your credit score to drop 100 points, jack your APR up 30%, add $200+/month to your monthly mortgage payment (insane, I know), and more.

By setting up automatic payment using my IWT system, you won’t have to worry about manually paying your bills each month or accidentally forgetting a payment and getting slapped with a huge penalty.

The best part? Once you automate your personal finances, you’ll automatically invest, save money, and pay off all your bills at the beginning of the month — not just your credit card statement!

For more information on how to automate your finances, check out my 12-minute video where I go through the exact process with you. (Try not to be too impressed with my awesome whiteboard art.)

youtube

You should ideally be paying off your entire credit card balance each month, but if you can’t, you can still improve your score by paying at least the minimums, on time, every month.

Improve your credit score tip #3: Keep your accounts open — and put a recurring charge on them

So many times, when people get motivated to “do something” about their credit cards, the first thing they do is close all the cards they haven’t used in a long time.

Sounds logical: Let’s clean out the old cobwebs in our wallet!

In reality, this is a bad idea: 15% of your credit score reflects the length of your credit history, so if you wipe out old cards, you’re erasing that history.

Plus, you’re also lowering your “credit utilization rate,” which basically means (how much you owe) / (total credit available).

For nerdy people (aka half my readers), here’s the math of your credit utilization score — plus a little-known caveat:

“If you close an account but pay off enough debt to keep your credit utilization score the same,” says Craig Watts of FICO, “your score won’t be affected.” (Most people don’t know this.)

For example, if you carry $1,000 debt across two credit cards with $2,500 credit limits each, your credit utilization rate is 20% ($1,000 debt / $5,000 total credit available).

If you close one of the cards, suddenly your credit utilization rate jumps to 40% ($1,000 / $2,500). But if you paid off $500 in debt, your utilization rate would be 20% ($500 / $2,500) and your score would not change.

A lower credit utilization rate is preferred because lenders don’t want you regularly spending all the money you have available through credit — it’s too likely that you’ll default and not pay them anything.

NOTE: If you’re applying for a major loan — for a car, home, or education — don’t close any accounts within six months of filing the loan application. You want as much credit as possible when you apply. However, if you know that an open account will entice you to spend, and you want to close your credit card to prevent that, you should do it. You may take a slight hit on your credit score, but over time, it will recover— and that’s better than overspending.

Bottom line? Even if you don’t use a card, keep it open. Put a small charge on it — say, $5/month — and automate it each month. This way, you ensure your card is active and maintains your credit history.

Improve your credit score tip #4: Get more credit — but only if you have no debt

I cannot stress this enough: This system is only for financially responsible people. That means you have zero debt and you pay your bills in full each month. It’s not for anyone else.

That’s because this system involves getting more credit to improve your credit utilization rate. This falls in the same 30% bucket as your debt does when it comes to your credit score.

To improve your credit utilization rate you have two options: Stop carrying so much debt on your credit cards (we covered that above) or increase your total available credit. Since you should already be debt-free, all that remains for you to do is to increase your available credit.

Here’s a great script you can use when you call your credit card company:

YOU: Hi, I’d like to increase my credit. I currently have $5,000 available and I’d like $10,000.

CC REP: Why are you requesting a credit increase?

YOU: I’ve been paying my bill in full for the last 18 months and I have some upcoming purchases. I’d like a credit limit of $10,000. Can you approve my request?

CC REP: Sure. I’ve put in a request for this increase. It should be activated in about seven days.

I request a credit-limit increase every six to 12 months because it’s such an easy win. I suggest you do the same.

Remember: 30% of your credit score is represented by your credit utilization rate. To improve it, the first thing you need to do is get debt-free. Once that’s done, THEN increase your credit.

Improve your credit score = Big Win

Take the time to start improving your credit score using the four systems outlined above — and to help you even more, I’d like to offer you something: The first chapter of my New York Times bestseller I Will Teach You to be Rich.

It’ll help you tap into even more perks, max out your rewards, and beat the credit card companies at their own game.

I want you to have the tools and word-for-word scripts to fight back against the huge credit card companies. To download it free now, enter your name and email below.

How to improve your credit score in 4 systems is a post from: I Will Teach You To Be Rich.

from Finance https://www.iwillteachyoutoberich.com/blog/how-to-improve-your-credit-score/ via http://www.rssmix.com/

0 notes

paulckrueger · 7 years ago

Text

How to improve your credit score in 4 systems

Improving your credit score is potentially worth nearly $100,000.

Consider two people:

Abby, who has great credit (760)

Derek, who has poor credit (620)

In their 30s, they decide to buy houses of similar prices. How much do you think they each pay?

Spoiler alert: Not the same amount.

Check out the graph below:

Source: MyFico.com. Data calculated in June 2017.

Because Derek has poor credit, he’ll end up paying nearly $68,000 more in interest than Abby — whose credit is awesome.

Don’t be like Derek. Instead, be like my readers who improved their credit scores by listening to some Indian dude online: