BloodhoundBlog

There’s always something to howl about.

Category: Marketing (page 32 of 191)

October 6, 2011

Who has “Cutting Edge Marketing” for Mortgage Origination?

by

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

Author website

The mortgage business is pretty cut-and-dry today.  Historically low interest rates, a whole lot less people in the industry, and five screwed-up banks are making it easy for originators to pick the “low-hanging fruit” today.  I’m not so naive to think that the Garden of Eden will be as lush as it is today.  I know we are going to have to return (once again) to the basic building blocks of business generation when rates rise (my guess for the inevitable rise is sometime after the New Year).

A lot of things have changed in the past two years, especially the way we find loans which can be funded.  Some of the ideas I think make sense include:

  1. an automatic CRM, like Top Of Mind manages for you
  2. video email marketing, like I have been exploring
  3. Continuing education for REALTORS, like Educate2Earn is doing
  4. Old-fashioned blogging for mortgages
  5. Even older-fashioned but proven systems, as offered by Loan Toolbox
  6. Some of the many ideas offered by Mortgage Marketing Animals

Are you doing something differently to get the telephone to ring?  Is there anything you might have heard, which allegedly works, which you would like to learn?

I’m interested in your feedback.

October 5, 2011

Greg Swann’s second request: I need a partner.

by

Suburban Phoenix Real Estate Broker

Author website

What? No one is going to send me to the NAR convention? Their loss — and the losses are but beginning.

Meanwhile, I need a partner. I’ve been thinking about this for months, but I don’t know that it’s something I can actually do anything about.

Here’s where I am, at this stage of my life:

I am swarming with ideas that can make boatloads of money.

And:

I am broke — not all the time, but frequently.

Being broke is temporary. The cure for that is just hard work and a little luck.

But the ideas are driving me insane, because I can see how much better things can be done, but I’m not able to accomplish even ten percent of what I can envision.

I need people behind me. And for that I need money behind me. And for that I need a partner, someone who can bring or attract investment capital — and manage it.

This is some of what I have going:

Ascende.me is as sexy as four-day weekend in Vegas, and there’s a lot more real-estate-porn power still to come. I’m building versions of Ascende for Realtors around the country, but I can see ways to turn it into a cash-and-carry money machine.

As Sean Purcell pointed out yesterday, the BloodhoundRealty.com real estate listing praxis is a fearsome competitor. Phoenix is not a great listing market right now — but Phoenix is not the only city on earth.

We’re also building a property management business, which is poised to explode. My rental homes lease fast and stay leased, yielding maximum profits for our landlords. I personally sell a lot of rental properties, which we then manage, and I am ready to start recruiting landlords who already own their rentals. As icing on that cake, I have killer ideas for taking a VOW feed and using it to build a virtual Point-of-Purchase for out-of-state investors.

Away from real estate, SplendorQuest.com is a forest in its seed stage. There is a big marketing business in there — conferences, books, magazines, web sites, etc. It’s a content play, so there is no limit to the profit centers it can throw off.

My Get Read more

October 4, 2011

I want someone to give me a conference room in rounds so I can launch a Scenius in Sacramento Anaheim.

by

Suburban Phoenix Real Estate Broker

Author website

I want someone to send me to NAR in Sacramento Anaheim next month. I don’t want to do anything even remotely NARish, I just want to commune with the grunts on the ground. I have lots of interesting ideas about innovation in real estate, and I am lucky enough to know a lot of very clever people. Put us all in a room together, and we can make magic. We’ve done it before.

This would be cool: A double- or triple-sized break-out room in rounds of eight, each table its own little Scenius. Some formal presentations from the front of the room, with web and slide support, all that stuff. But also a lot of time for real work at the table level. I plan on throwing off a lot of product ideas, and I would love to have a leavening of people from the development side of the on-line real estate table. I want to sell some very serious ideas, but I want people to go home with new product plans, new marketing plans, too.

Here’s a true fact: This is the most propitious time for revolutionary change in the residential real estate business. Why? Because things could not possibly be any more screwed up than they are now. There is no sane argument to be made against any attempt to right this flailing beached whale we scheme to call a profession. I have ideas. You do, too. I want to talk about how we can be the drivers of real change in our business.

Am I too vain to think that someone would put together a show for me? I know how to do all this myself, after all. But: I don’t have the time or the money to put anything together. I loved doing the BloodhoundBlog Unchained events with Brian Brady, and with all the hard-working dogs who graced us with their presence. But all that is way more than I can do now. It comes down to this: I’ll do this if someone will take on the logistics and costs, and not if not.

But what I’m promising is a Scenius, Read more

September 12, 2011

Introducing Ascende.me, an eye-candy-view of some of the most breathtaking homes for sale in Metropolitan Phoenix.

by

Suburban Phoenix Real Estate Broker

Author website

I am introducing Ascende.me today at BloodhoundRealty.com. I’ve been working on this, in my spare time, since Steve Jobs announced tabbed browsing in the iPad version of Safari, and it’s time to draw further inspiration from Mr. Jobs: “Real artists ship.”

There is added functionality still to come in this software — and for something that looks like a web site, there is a ton of software under the hood.

Even so, the essential algorithm comes down to software-encoded art. That is a hint to Realtors in Phoenix: Your dipshit vendors can’t copy this. They’ll tell you they can, but they can’t.

If you are a Realtor in any other town, we can talk about licensing the underlying technology.

Meanwhile, here is my release announcement:

 
Here’s a screen shot from Ascende.me, a new web site we are launching today:

Ascende is a wish book, not a full-blown search tool. We already run the best real estate search site in Greater Phoenix. Instead of bombarding you with everything, Ascende gives you a small subset of available homes, an artistically-chosen selection of the best homes, the most stunning homes, the most impressively-marketed homes.

The purpose? To dream, to plan, to hope — and to capture. The homes featured in Ascende may not be for you, but they sure will give you ideas…

Got an iPad? Ascende will work on any normal browser, but it’s orientation-sensitive on the iPad. There will be more iPad integration to come.

Play with it and let me know what you think. I like looking at big pictures of gorgeous homes. I think you will, too.

August 30, 2011

What Willie’s Roadhouse taught me about being a Niche Biche.

by

Rust Belt Realtor

Author website

Yes, yes, I’m late to the SiriusXm party I admit it, but we recently got rid of a car with a cassette player, so that should tell you a lot. Honestly, the only thing I knew about satellite radio was Howard Stern so you can’t really blame me, can you? But that’s the past. Now that I’m here, can I tell you how much I love it? I do! I love it! A channel of nothing but Broadway show tunes? What, are you kidding me? My gay clients and I have sing-alongs, but that’s not why I love it. Here’s why I love it: It’s specialized. I don’t know how many channels there are altogether because I only listen to two. I flip between OnBroadway and Willie’s Roadhouse. I’m not interested in Spa, POTUS, or Hair Nation (If you’ve ever met me you know I live in my own private Hair Nation, thanksanyway), or any other of the bazillion channels available, each so freaking specialized and focused that it blows my mind! On the way from OnBroadway to Roadhouse, I have to pass Prime Country, Outlaw Country, Bluegrass Junction, and The Highway. No thank you, I’m not interested. I want my Roadhouse. I want my George and Tammy, my Johnny and June, and a little lite Texas Swing thrown in to mix it up. I’ve been laboring under the false impression that C&W was C&W but no, not even close. And each radio station taps into one tiny segment of the entire car-driving radio-listening population, each driver getting their own unique radio itch scratched in just the right place- it’s ecstasy. Pure unadulterated radio ecstasy. But this is a real estate blog so let’s talk Realtor talk.

Last week I was referring a lead to a Realtor and she informed me that I’m too quick to limit myself to one area. Not really true, but I remembered Ryan Hartman’s post that gave away the blue print for a broker’s market domination plan. You should go read it, I’ll wait. Done? Okay, see where I’m going with this?

You know how much you love Read more

August 21, 2011

Shyly’s delight: “The Secret” to man and god in the universe . . .

by

Suburban Phoenix Real Estate Broker

Author website

Kicking this back to the top from February of 2007, although the underlying essay is much older than that. This is the shortest statement I have made, so far, of the ontology of human behavior. –GSS

 
Russell Shaw has mentioned the film The Secret a couple of times. Cathy bought the DVD, and we took the time to watch it tonight. As an expression of the right attitude to take toward life, it was right up my street. As physics, metaphysics, epistemology and ontology, it struck me as babbling word salad. The Law of Attraction commended me to The Eyelid Show, as television often does, so Cathy saw the whole thing, and I saw about half.

What the movie would seek to ascribe to a volitionally-caused physics (this is solipsism, right there), I would argue is simply the secondary consequences of particular habits of mind. Russell wants to freely and very generously share all that he has learned in his career. To do this, he needed me as his amplifier, and the two of us needed Allen Butler for his technological prowess. A great many other very talented people will be involved in this project. Are we drawn to each other by a Law of Attraction, or all we all simply oscillating in our own minds at around the same frequency — birds of a feather?

I wrote a book about the ontology of human social relationships, but it’s dense, tough sledding. Appended below is a easier-reading summary of some of these ideas. I wrote this as a speech for my Toastmaster’s Club in August of 2001. In the weblogging world, I’ll throw out details about our lives, but that’s really just so much plastic fruit, local color. This is the world that I live in, the world I wish everyone lived in…

Shyly’s delight

or

Manifesting the secondary consequences of splendor

I have a Labrador mutt named Shyly. She’s about three years old, but because she’s a Lab, she’ll always be a puppy. Always busy, always involved, always eager to be right in the middle of everything.

Shyly is the world’s greatest master at expressing delight. She Read more

August 17, 2011

Reforming FannieMae and FreddieMac with Marx: Rotarian Socialist rent-seekers of the world unite! You have nothing to lose but your brains!

by

Suburban Phoenix Real Estate Broker

Author website

Totally cool. An actual newspaper article about America’s favorite welfare program, government subsidized mortgages — and in The Boston Globe, no less:

Amid all the clamor about entitlement reform during the struggle to raise the debt ceiling, one enormous cost – and potential source of future savings – largely escaped scrutiny: the billions of dollars the United States spends to support the mortgage market. Even before the 2008 financial crisis, the government assumed the credit risk on most loans, which allowed banks to offer better rates, but ultimately left taxpayers footing the bill when the housing market collapsed: $138 billion and counting.

During the crisis, the government became even more involved in the mortgage market by rescuing Fannie Mae and Freddie Mac and agreeing to backstop larger loans. This furnished enough liquidity to prop up the housing market and helped bring about the low mortgage rates of the last three years. But getting in has proved much easier than getting out. Today, the government backs 95 percent of new loans, leaving taxpayers more exposed than ever.

That could finally be about to change. After next month, federal loan limits in expensive areas like Boston, New York, and Los Angeles are set to decline from $729,750 to $625,500. Had the lower limits applied last year, the government would have backed 50,000 fewer loans. But even this modest pullback may not happen. At the urging of homebuilders and realtors, lawmakers in both parties want to extend the higher limits, possibly for good. It’s an early skirmish in the larger battle over the government’s proper role in the mortgage market. And the issue isn’t just when to pull back, but whether to do so at all: Many Americans have come to regard cheap mortgages as an entitlement.

I am so ecstatic to see Fannie, Freddie, Ginnie and FHAVAUSDA properly identified as welfare programs — invented by rent-seeking Rotarian Socialists for the benefit of other rent-seeking Rotarian Socialists — that I’m finding it hard to kvetch.

Well, maybe not too hard. Look at this:

Liberals tend to support government intervention as a means of subsidizing home ownership for the poor and Read more

August 12, 2011

Say “Cheese!” It’s time to play Business Card Monte

by

Rust Belt Realtor

Author website

We’ve all seen them. The usual suspects on a line-up across a counter in an empty kitchen. Gathering dust on a convenient window sill. Spread out like an abandoned poker game on a dining table. Ah yes, the real estate business cards left behind at showings. Black, white, red, blue, cheap, shiny, standard issue, each one with a Friendly Neighborhood Expert (FNE) smiling earnestly or stupidly grinning, depending (see tiny mug shot, above). My clients notice them too and they kind of scowl over the line up. When I toss mine onto the pile they say, “Hmm. Yours is different.” At which point I flash my own killerwatt smile and say, “Because I am.” They grin back, we move along.

Business cards are pretty awesome when you think about it. Palm-sized advertisements that you can carry about. A potentially effective way to get your message across, but it seems mostly wasted in the world of real estate.

Recently I saw a business card that was left behind with a printed thank you message: “Thank you for allowing us to show your property.” That’s nice. The message was printed next to the full length image of Mr and Mrs FNE. I wonder if it would be useful to have a showing-specific business card, with space to write a note on it? “Love the floor plan!” “Great job with the kitchen.” “Sorry we accidentally let the cat out.” “What the hell is that smell?” You get my point. Someone more experienced can fill me in on why that would be a disastrous idea for their client.

I’ve had property-specific business cards printed up, that’s an easy item to hand across a threshold if you are door knocking, and I have all purpose business cards I use, (see blurry photo, below) they feature The Brick Ranch logo from my website, and it does stand out in a sea of tiny FNEs splashed across the Formica, but business cards are so cheap, why not have a few on hand for a multitude of purposes?

I remember Russell Shaw commenting on one of the BHB business card posts that your Read more

August 2, 2011

iPad observation #8: The death of mediocrity and, along with it, the death of contempt for the consumer

by

Suburban Phoenix Real Estate Broker

Author website

I’m kicking this back to the top from February of 2010, when the iPad had just been announced. In another of the posts in this series, I wrote: “The implication of a computer that can train its end-users how to use it is that teaching as a profession is dead. All teaching, at all levels. Just imagine what the iPad could do for you if you really wanted to learn a foreign language…” Technology is giving us the power to disintermediate vast numbers of state employees. No telling if we will actually do it, but it is by now eminently doable. This essay addresses that kind of disruption in the Rotarian Socialist marketplace. –GSS

 
I don’t know if I’m ready for this yet, but I need to get it out there where I can take a look at it. Discursive prose is thinking, first, not communication, and this is a big idea. It’s possible I’ll have to return to it again and again to make it completely pellucid, but I promise to do my best today.

So: One of the events the introduction of the iPad foretells is the death of mediocrity in the marketplace, and, along with it, the death of the kind of endemic contempt for the consumer that results in mediocre products and services.

Why would this be so? We’ll get to that, but indulge me long enough to discuss what is — the world as we live in it now — before we take up what is to come.

Why doesn’t the caps-lock key work properly on any Windows keyboard? When you have the caps-lock key down and you then type the “a” key while holding the shift key down, why do you get an “a” instead of an “A”? Surely when you typed shift-“a”, what you wanted as an “A”, not an “a”. Why has this always been broken on all Windows machines, and on all DOS machines before that?

The answer to those questions is quite simple. It’s because Microsoft has never once cared enough to get this right. It’s been wrong for decades in Windows, right for decades on Read more

July 13, 2011

Wired: “Kinect Hackers Are Changing the Future of Robotics.”

by

Suburban Phoenix Real Estate Broker

Author website

A fascinating story about open source programmers deploying Microsoft’s Kinect hardware in amazing off-label applications.

From Wired magazine:

For 25 years, the field of robotics has been bedeviled by a fundamental problem: If a robot is to move through the world, it needs to be able to create a map of its environment and understand its place within it. Roboticists have developed tools to accomplish this task, known as simultaneous localization and mapping, or SLAM. But the sensors required to build that map have traditionally been either expensive and bulky or cheap and inaccurate. Laser arrays cost a few thousand dollars and weigh several pounds, and the images they capture are only two-dimensional. Stereo cameras are less expensive, lighter, and can construct 3-D maps, but they require a massive amount of computing power. Until a reasonably priced, easier method could be designed, autonomous robots were trapped in the lab.

On November 4, a solution was discovered—in a videogame. That’s the day Microsoft released the Kinect for Xbox 360, a $150 add-on that allows players to direct the action in a game simply by moving their bodies. Most of the world focused on the controller-free interface, but roboticists saw something else entirely: an affordable, lightweight camera that could capture 3-D images in real time.

Within weeks of the device’s release, YouTube was filled with videos of Kinect-enabled robots. A group from UC Berkeley strapped a Kinect to a quadrotor—a small helicopter with four propellers—enabling it to fly autonomously around a room. A couple of students at the University of Bundeswehr Munich attached a Kinect to a robotic car and sent it through an obstacle course. And a team from the University of Warwick in the UK built a robot that had the potential to navigate around post-earthquake rubble and search for trapped victims. “When something is that cheap, it opens up all sorts of possibilities,” says Ken Conley of Willow Garage, which sells a $500 open source robotics kit that incorporates the Kinect. (The previous non-Kinect version cost $280,000.) “Now it’s in the hands of just about anybody.”

Robot freaks weren’t the only people to explore the Read more

July 6, 2011

A Virtual Real Estate Broker Who Declares Freedom – An Anathema

by

Realtor, Attorney

Author website

This virtual real estate broker hereby declares freedom. Freedom from the traditional bricks-and-mortar business models that worship the institutions of the real estate industry. I have always been an iconoclast who is bored by the weekly office manager giving his inane speech about “get out there and get those listings.” I have always been sensitive to lies being clothed with smiles and the we’re-here-to-help-you pep talks by brokers who fully intend to get rich off all the ignorant agents they are using.

The very institutions in the real estate industry that claimed to take our membership money to help us . . . have become behemoths intent on supporting their own executive salaries and bonuses. Associations created to protect consumers have become massive organizations that manipulate and deceive the very people they claim to protect.

Like the saying, “Trick me once, shame on you, trick me twice, shame on me,” agents all across the United States seem to refuse to take responsibility for their own futures. As if they had no discernment at all, behaving like lambs to the slaughter, they glibly obey their traditional brokers and their associations, going to the office everyday like automatons, attending unproductive meetings, standing around the water cooler, chit chatting about some property that another broker sold, making a couple of cold calls, looking at the MLS online and surfing the Internet for hours under the guise of working.

Of course, they would defensively deny all this, but it is far too common today in the big offices. Not just big offices, but many offices around the country, even small ones. Greg Swan is quite right (talk about an iconoclast) when he wrote, “What we teach is independence, the recognition that you alone are the source and the sink, the alpha and the omega of your knowledge, of your business and of your success or failure.” See The Unchained Epiphany. Read more

July 4, 2011

The unchained epiphany: Working in the Web 2.0 world is not mastery of technology but the celebration of your own independence

by

Suburban Phoenix Real Estate Broker

Author website

Kicking this back to the top from April 8, 2008. — GSS

 
In comments to Sean Purcell’s “NAR Challenge”, Scott Rogers wonders why the NAR could not teach hi-tech real estate as well as or better than BloodhoundBlog.

The short answer is that we’re not teaching hi-tech real estate, not even close, and what we are teaching is anathema to the NAR.

In her own comment to Barry Cunningham’s post on the typewriter being state-of-the-art NAR technology, Newport Beach Realtor Stacey Harmon offers this serendipitous explication:

WOW. This video really highlights for me the opportunity that exists for Realtors who really embrace not only technology, but Web 2.0. What I see in this video is the application of technology to improve the “traditional” way of selling real estate. I think there is a whole emerging group of Realtors out there who are looking to utilize technology (in particular Web 2.0 technologies) to TRANSFORM how real estate is sold. I agree with Dave that this video speaks to 75% of Realtors – I work in one of the most lucrative markets in the US (Newport Beach, CA) and I’d say that this video accurately represents how most Realtors (that do any business in my market) view and utilize technology. I see this as a huge opportunity for anyone who is savvy enough to have even found this blog. Thanks for a very interesting post!

That’s an epiphany in text form. I don’t know Stacey, and I don’t want to characterize her thoughts, but that kind of epiphany is what BloodhoundBlog is all about.

We don’t teach technology, even though we talk about it all the time.

We don’t teach marketing, new-wave or old-school, even though marketing is constant obsession around here.

We don’t teach Web 2.0, even though many of the brightest lights in the wired world of real estate write, read and reflect here.

What we teach is independence, the recognition that you alone are the source and the sink, the alpha and the omega of your knowledge, of your business and of your success or failure.

I am a rude, crude and vulgar man, so it falls to me to Read more

July 4, 2011

What would Greg Swann do? Integrity, transparency and Web 2.0

by

Suburban Phoenix Real Estate Broker

Author website

Kicking this back to the top in response to Chris Johnson’s post on bribe-offers from vendorsluts. — GSS

 
Hey, y’all! Are you in the mood for a truly incredible offer?

You’ve seen the kind of single-property web sites we do at BloodhoundRealty.com. Dozens of pages. Hundreds of photos. Maps, movies, PDFs, off-site links — the works!

What if I were to tell you that you could have a single-property web site just like ours — with your choice of style templates and your own domain, hosted for a year — all for just $99.

Or, for just $99 more, I’ll mimic your weblog’s theme. Your single property web site will look just like your weblog — to promote and protect your brand identity.

That’s actually not a bad business, and I already have everything I need to start it. The software we use to build our single property web sites is called engenu. I give it away for free, but no one uses it. If I built it to be forms-based with everything hosted on our servers, it would be easier — but much slower — for end-users, and I could make a ton of money milking Realtors by selling them the same thing over and over again.

Why not do it?

Because it’s a piece of everything I hate in the real estate industry as it is presently comprised. It’s the vendorslut syndrome in action. I write a piece of software, then sell it to you over and over again, taking a huge profit every time you pull out your credit card. You get pitches like this every day — with the difference being that our single-property web sites are a lot richer in content than the ones you can buy from sleazy vendors.

I’ve been wanting to write a post about leadership in the RE.net. I don’t like hierarchies, or none beyond the sort of adhocracy that works so well in the Web 2.0 world. We are thought leaders at BloodhoundBlog because we think wisely and well — and write wisely and well — about issues that most other people prefer to skirt.

But: I don’t kid myself: Read more

May 17, 2011

Upping your game selling real estate implies selling enough that you can add the staff to sell even more. For me, that means concentrating on the prospects who will make it to the closing table.

by

Suburban Phoenix Real Estate Broker

Author website

This is a response to Robert Worthington’s post on getting to the next level selling real estate.

I don’t want to represent myself as an expert on production, this for two reasons:

First, because I know that is untrue. I’m a good real estate agent, and I think I’m becoming a good salesman. But if I stand on my tippy-toes, I can almost see over the nap of the carpet. I’m thinking there might a be a world up there.

And second, because I hate it when other people do it. It’s grating when they actually can ride the bull and nauseating when I find out that they can’t — that they’re all hat and no cattle.

With that as a caveat, I have some observations.

Here are three ways to net more income from your working hours:

1. Close more houses at your current gross commission income.

2. Close the same number of houses at a higher GCI.

3. Cut your costs.

Obviously, number 3 works great no matter what else you do, provided that cutting your costs doesn’t cut your production along with it. Marketing is what you communicate, not what you say, and half-assed marketing is worse than no marketing.

Scott Gaertner, a long-time friend of BloodhoundBlog and one of the highest-grossing/highest-netting agents I know, has urged us to pursue plan number 2. I want to do this, and I really, really want for Cathleen to do this, but the time is not propitious for listing luxury homes. In Phoenix — as in Florida, I expect — the inventory consists of lender-owned homes, short sales and the rare, and almost always over-priced, equity sale. I’ll talk about these categories further down, but the bottom line is that, for now, we don’t have either the cash or the resources to pursue the rare motivated equity seller. We can’t afford to acquire that client, and we really can’t afford to fail to close the sale.

I have a lot of respect for plan number 1, because I am a high-D. I like to get things done, and the more things I get done, better and faster, the happier I am in Read more

May 11, 2011

What’s the long term investment value of owning your own home? Would you believe… nothing?

by

Suburban Phoenix Real Estate Broker

Author website

Business Insider has the goods.

Yes, I know you can tell me stories about killings made. We’ve done it, too. How are your results lately?

Meanwhile, do you want to have a long talk with all those folks who bought their homes believing in the wealth-producing miracle of the mortgage-interest tax deduction?

Does anyone want to chip in for some wood polish for the NAR’s nose?

« Older posts Newer posts »

Inventing Real Estate 2.0

Welcome to BloodhoundBlog, the national real estate industry marketing and technology weblog written by, for and about real estate professionals. Better yet, welcome to the wired world of real estate. We are busily inventing Real Estate 2.0 – technology, marketing, service and salesmanship. Like all Bloodhounds, we are smart, frisky and fiercely independent. We've built a spot on the earth – beloved over all – where each one of us can be who we are, no matter who that might be. We are committed to an idea of excellence that will flush the bums, the con-men and the crybabies out of the real estate industry. If you yearn to have your failures excused, your moral lapses absolved or your boo-boos kissed, seek elsewhere. But if you are sick to death of mediocrity – welcome home. Read all about us, subscribe to our feed and steel yourself for the hunt. We work hard, we play hard, we learn everything we can – and we bow to no one.

Media Contacts