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    Find Angel Investors
    It is difficult to find angel investors, but a careful exploration of possible locations for prospective angel investors can help. Angel investors are inclined to stay close to university programs due to the high number of fresh business ideas they produce.Someone who is looking to finance a business idea should contact a nearby university that has an entrepreneurship program, and schedule a meeting to talk to the person who manages it. Usually, such people can direct one to the proximity of angel investors.The fabulous assets business opportunities from the high-tech sector, in addition to the vigorous stock market of the 1990s, have resulted in a high number of angel investors who have formed investor’s groups or clubs. These clubs aggressively seek deals to invest in, and their members desire to hear from entrepreneurs in search of capital.Some angels stay away from traditional venture capital clubs, but f
    he country every year from 1967 to 1977. The magnitude of that feat almost defies description. And third, despite the fact that there were two recessions during his first eleven years, he sold more cars every year than he did the previous year.

    It's told that on Saturday mornings, a line of people would form at the entrance of Merollis Chevrolet long before the scheduled opening. Everyone was waiting for Joe Girard to come to work and they wanted to talk to him about buying a car. Every one of them rebuffed offers of help from co-workers. They only wanted to talk to Joe, no one else would do. Over a period of fifteen years he averaged ov

    Success By Doing It - Don't Wait Till Your Advertisement Is Perfect
    The importance of immediate, massive, daily action has been written about many times already but it is so important that it is worth writing about again and again. The examples in this article come from the world of business but they could apply to any other walk of life as well.Marketing is the life blood of business but sometimes businessmen will wait until they have written the perfect advertisement or sales message before they send out even one ad. They also spend weeks making sure their website is beautifully designed with all the latest refinements.Meanwhile good selling time is passing them by. Their product may even be out of date before they are happy with the advertisements. By the time they have everything perfect and ready to go, they may run out of capital and be forced to close down their business.The best lesson I learned from the late Corey Rudl at a seminar in London was not to worry about cr
    Joe Girard was a car salesman. During his selling career he sold 13,001 cars, all of them at retail. And, all of them one car at a time...no fleet sales, no multiple sales, and no wholesale sales. He personally sold more cars during his career than most dealerships sell in their lifetime.

    During the years 1963 to 1977, Joe Girard sold more cars on a one-on-one basis than anyone else in the world. On his best day he sold 18 automobiles. His best month, he recorded 174 sales. His best year...a total of 1425 vehicles. All in all, he averaged about 6 retail sales per day. An amazing accomplishment!

    All of Joe's sales have been certified by "The Guinness Book of World Records" and the accounting firm of Deloitte and Touche. Today, his record remains unbroken. Joe Girard was inducted into the "Automotive Hall of Fame" on August 7, 2001.

    Just as a little background, Joe Girard was born in a Detroit ghetto in 1927. He shined shoes, delivered papers for the Detroit Free Press, washed dishes, acted as a delivery boy, and assembled stoves.

    Then one day in 1963 at the age of 35, Joe Girard got a job selling automobiles for a Detroit car dealership. With a telephone, a phone book, a lonely desk tucked away in a vacant corner of the dealership, Joe's career began. It was January, a traditionally slow month and the manager was reluctant to hire him. Joe had to actually beg him for the job.

    By the end of business his first day, Joe Girard sold his first automobile. He had to borrow $10 from his manager so that he could take some groceries home for his family. During his second month, Joe sold 18 cars and trucks.

    Just when Joe was feeling good about himself, he was fired for being too aggressive. Some of the other salesman had complained to the owner of the dealership.

    Knowing he could sell cars, and a determination to succeed, Joe had no problem finding employment with Merollis Chevrolet in Eastpointe Michigan, and the most amazing sales record in history had its beginning.

    This is the breakdown of what he sold:

    1963 - 267 cars and trucks
    1964 - 307 cars and trucks
    1965 - 343 cars and trucks
    1966 - 614 cars
    1967 - 667 cars
    1968 - 708 cars
    1969 - 764 cars
    1970 - 843 cars
    1971 - 980 cars
    1972 - 1208 cars
    1973 - 1425 cars (record year)
    1974 - 1376 cars
    1975 - 1360 cars
    1976 - Over 1200 cars
    1977 - Over 1200 cars

    If you don't think this is significant, remember these were actual sales, not deals or giveaways. Second, Joe was the number one salesman in the country every year from 1967 to 1977. The magnitude of that feat almost defies description. And third, despite the fact that there were two recessions during his first eleven years, he sold more cars every year than he did the previous year.

    It's told that on Saturday mornings, a line of people would form at the entrance of Merollis Chevrolet long before the scheduled opening. Everyone was waiting for Joe Girard to come to work and they wanted to talk to him about buying a car. Every one of them rebuffed offers of help from co-workers. They only wanted to talk to Joe, no one else would do. Over a period of fifteen years he averaged ove

    Seven Steps You Can Take to Prevent Your Employees from Wasting Time and Resources on the Internet
    The color drained from Ben's face when he was handed the report. His hand shook when he picked it up and scanned the contents.It was a log of everything he had done on the Internet since the beginning of the year -- every website he had visited, every IM conversation he had had, every email he had sent out and received -- not only by the company mail but those sent from his Yahoo and Hotmail accounts.Everything he had said and done on the Internet during the last year lay before him, and it wasn't a pretty picture.His boss' face was expressionless. The HR woman sitting beside him looked grim."I'm afraid we are going to have to let you go, Ben," Mr. Donaldson said at length. "You've been wasting company time and resources, and the websites you've accessed and the mail you’ve sent and received are, well..."Ben's hand shook as he dropped the report on the desk top. He nodded spastically, and for
    d by "The Guinness Book of World Records" and the accounting firm of Deloitte and Touche. Today, his record remains unbroken. Joe Girard was inducted into the "Automotive Hall of Fame" on August 7, 2001.

    Just as a little background, Joe Girard was born in a Detroit ghetto in 1927. He shined shoes, delivered papers for the Detroit Free Press, washed dishes, acted as a delivery boy, and assembled stoves.

    Then one day in 1963 at the age of 35, Joe Girard got a job selling automobiles for a Detroit car dealership. With a telephone, a phone book, a lonely desk tucked away in a vacant corner of the dealership, Joe's career began. It was January, a traditionally slow month and the manager was reluctant to hire him. Joe had to actually beg him for the job.

    By the end of business his first day, Joe Girard sold his first automobile. He had to borrow $10 from his manager so that he could take some groceries home for his family. During his second month, Joe sold 18 cars and trucks.

    Just when Joe was feeling good about himself, he was fired for being too aggressive. Some of the other salesman had complained to the owner of the dealership.

    Knowing he could sell cars, and a determination to succeed, Joe had no problem finding employment with Merollis Chevrolet in Eastpointe Michigan, and the most amazing sales record in history had its beginning.

    This is the breakdown of what he sold:

    1963 - 267 cars and trucks
    1964 - 307 cars and trucks
    1965 - 343 cars and trucks
    1966 - 614 cars
    1967 - 667 cars
    1968 - 708 cars
    1969 - 764 cars
    1970 - 843 cars
    1971 - 980 cars
    1972 - 1208 cars
    1973 - 1425 cars (record year)
    1974 - 1376 cars
    1975 - 1360 cars
    1976 - Over 1200 cars
    1977 - Over 1200 cars

    If you don't think this is significant, remember these were actual sales, not deals or giveaways. Second, Joe was the number one salesman in the country every year from 1967 to 1977. The magnitude of that feat almost defies description. And third, despite the fact that there were two recessions during his first eleven years, he sold more cars every year than he did the previous year.

    It's told that on Saturday mornings, a line of people would form at the entrance of Merollis Chevrolet long before the scheduled opening. Everyone was waiting for Joe Girard to come to work and they wanted to talk to him about buying a car. Every one of them rebuffed offers of help from co-workers. They only wanted to talk to Joe, no one else would do. Over a period of fifteen years he averaged ov

    The End is Near - They've Run Out of Jobs!
    "There are no jobs in (fill in your city's name)." Its not what you know but whom you know that gets you a job in (same city's name)."How often have you heard those statements? Are they true? They are if you believe them. You will not find a shortage of people willing to spread that negative message. Before you buy into the alleged truth, consider the sources. Typically, those that utter these discouraging facts are either members of the press or people who personally have difficulty finding employment. I would be willing to bet that those same people would find it difficult anywhere.Lets take a look at the media. It shouldn't come as a surprise that negative news sells better than happy news. You'll notice that news programs seldom use a warm fuzzy feel good story to lure you back after a commercial. It's not sensational enough and it won't generate good ratings. They're not going to stand up to a show like the Jer
    anuary, a traditionally slow month and the manager was reluctant to hire him. Joe had to actually beg him for the job.

    By the end of business his first day, Joe Girard sold his first automobile. He had to borrow $10 from his manager so that he could take some groceries home for his family. During his second month, Joe sold 18 cars and trucks.

    Just when Joe was feeling good about himself, he was fired for being too aggressive. Some of the other salesman had complained to the owner of the dealership.

    Knowing he could sell cars, and a determination to succeed, Joe had no problem finding employment with Merollis Chevrolet in Eastpointe Michigan, and the most amazing sales record in history had its beginning.

    This is the breakdown of what he sold:

    1963 - 267 cars and trucks
    1964 - 307 cars and trucks
    1965 - 343 cars and trucks
    1966 - 614 cars
    1967 - 667 cars
    1968 - 708 cars
    1969 - 764 cars
    1970 - 843 cars
    1971 - 980 cars
    1972 - 1208 cars
    1973 - 1425 cars (record year)
    1974 - 1376 cars
    1975 - 1360 cars
    1976 - Over 1200 cars
    1977 - Over 1200 cars

    If you don't think this is significant, remember these were actual sales, not deals or giveaways. Second, Joe was the number one salesman in the country every year from 1967 to 1977. The magnitude of that feat almost defies description. And third, despite the fact that there were two recessions during his first eleven years, he sold more cars every year than he did the previous year.

    It's told that on Saturday mornings, a line of people would form at the entrance of Merollis Chevrolet long before the scheduled opening. Everyone was waiting for Joe Girard to come to work and they wanted to talk to him about buying a car. Every one of them rebuffed offers of help from co-workers. They only wanted to talk to Joe, no one else would do. Over a period of fifteen years he averaged ov

    Business's Most Loyal Pair To Finally Part
    The business world has seen many successful and loyal partnerships, yet few have been as enduring through difficult times as the partnership between Kmart and Martha Stewart.The relationship started more than a decade ago when then CEO Ben Fauber signed the relatively unknown former model to design a line of home fashions for Kmart. Soon Fauber would exit and Joe Antonini would further expand the product line, making Martha Stewart one of the most well-known names in households across the nation. Martha's talent and steadfastness landed television and print media deals that catapulted her career.Although the partnership seemed unshakable, conflict arrived when the two partners began to argue over royalty calculations. It was 2000 and Kmart's financial problems, even though the cash flow trouble was denied by Kmart, caused Kmart to seek a more favorable calculation of the percentages and when they were paid. The move
    ointe Michigan, and the most amazing sales record in history had its beginning.

    This is the breakdown of what he sold:

    1963 - 267 cars and trucks
    1964 - 307 cars and trucks
    1965 - 343 cars and trucks
    1966 - 614 cars
    1967 - 667 cars
    1968 - 708 cars
    1969 - 764 cars
    1970 - 843 cars
    1971 - 980 cars
    1972 - 1208 cars
    1973 - 1425 cars (record year)
    1974 - 1376 cars
    1975 - 1360 cars
    1976 - Over 1200 cars
    1977 - Over 1200 cars

    If you don't think this is significant, remember these were actual sales, not deals or giveaways. Second, Joe was the number one salesman in the country every year from 1967 to 1977. The magnitude of that feat almost defies description. And third, despite the fact that there were two recessions during his first eleven years, he sold more cars every year than he did the previous year.

    It's told that on Saturday mornings, a line of people would form at the entrance of Merollis Chevrolet long before the scheduled opening. Everyone was waiting for Joe Girard to come to work and they wanted to talk to him about buying a car. Every one of them rebuffed offers of help from co-workers. They only wanted to talk to Joe, no one else would do. Over a period of fifteen years he averaged ov

    Resume Writing Tips & Ideas
    Make sure that your resume is up to date with your latest job experience and educational accomplishments. Have a friend or relative evaluate your resume to see if it is clear, consistent, and fairly represents your skills and experience.Is your resume in a high impact format?Be sure to do a spell check on your resume. Misspelled works can reflect negatively on you and diminish your prospects.Many companies have a form on their web sites for submitting electronic resumes. Have a version of your resume that you can cut and paste into submittal forms. Create one that doesn't have columns and indents as these do not work well when pasted into a form.Let your family, friends, alumni groups, and industry contacts know you are looking for a job. Send them your resume. Many jobs are unadvertised and these people may know of potential openings. Also many employers would rather hire
    he country every year from 1967 to 1977. The magnitude of that feat almost defies description. And third, despite the fact that there were two recessions during his first eleven years, he sold more cars every year than he did the previous year.

    It's told that on Saturday mornings, a line of people would form at the entrance of Merollis Chevrolet long before the scheduled opening. Everyone was waiting for Joe Girard to come to work and they wanted to talk to him about buying a car. Every one of them rebuffed offers of help from co-workers. They only wanted to talk to Joe, no one else would do. Over a period of fifteen years he averaged over 900 cars each and every year.

    On January 1, 1978, Joe Girard retired from selling cars to focus on writing, teaching and motivating. His works include:

    "How to Sell Anything to Anybody,"
    "How to Sell Yourself,"
    "How to Close Every Sale," and
    "Mastering Your Way to the Top."

    Stories abound about how Joe Girard "originated" his business. One of which details the fact that he was an avid Detroit Lions fan and a season ticket holder. He always opted for a seat in the upper deck so that when the Lions scored, he threw a hand full of business cards over the railing to the football fans below. He used both sides of his business card and always offered some type of "freebie" if they looked him up within the next week.

    Just so you know that one isn't even on my list of "101 Ways to Originate Mortgages." If you try it, be careful of your local littering laws. However, using both sides of a business card is on my list.

    At this point you're probably asking...OK, how did he really do it? Well, the answer is so simple you'll immediately wonder why you're not doing it too. Then again...maybe you are. Here's the answer:

    Joe Girard made it a point to capture and record the contact information of every person he met or talked to. Then over the months ahead, and for each and every month thereafter, he sent each one of them a card. He sent the obvious cards for all of the major holidays. But he also sent birthday and anniversary cards. He sent Fourth of July, Groundhog Day, and Washington and Lincoln Birthday cards. Everyone Joe knew received a card each month and two in December because it was Christmas.

    He sent the cards with a simple handwritten note and his signature on the inside. It read:

    "I like you - Joe Girard"

    I know what you're thinking...if someone did that today, they would probably be arrested for stalking. Yes, things have changed drastically since the 60's and 70's, but the basic idea has not.

    Joe Girard simply did what all of us in the Mortgage Business should be doing...building and maintaining a contact list, a database, a mailing list, or whatever you want to call it. Goodness, you can even call it Tom's list if you want...I won't object.

    With cards arriving every month, Joe's contacts almost considered him a member of the family. When they thought of a "new car" they immediately thought of Joe Girard.

    And, that's exactly what should happen when your contacts think of a mortgage. They should think of you...not the bank at the corner of their street...and, not the mortgage p

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