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Casual Articles - Writers on the Rise Interviews Jon Hanson, author of Good Debt, Bad Debt (Jan. 2005 Penguin-Portfoli
As the number of bankruptcies filed has grown by five times over the last 25 years, according to the Federal Reserve, ‘debt settlement’ has become the popular alternative. The question is: To negotiate one’s own settlement, or to seek professional debt settlement assistance?'Debt settlement’ refers to the process of negotiation, as well as the mutually agreed upon lower-than-original settled amount. “In the face of financial hardship, should a consumer file bankruptcy, the creditor gets paid little if anything. Through settlement, we can provide both creditors and debtors with workable solutions that are beneficial to both parties,” says Todd Hayes, Managing Director, Precept Financial Solutions, the first debt settlement company to be admitted to the American Bankers Association.The
I got a response to my query in twenty minutes from the President of my imprint. It only said, "Sure send the proposal. Be glad to look." Career called and said they might be interested but wanted me to get a CPA, PhD or CFP to go on the cover with me (presumably to bolster my credentials). My contact at Adams was on vacation. Penguin called me about 5 or 6 days after I sent the proposal. A week later, they called and wanted me to come up with examples of good and bad debt for the marketing department. I worked for hours on that one page of marketing material. I assumed they wouldn’t be asking for marketing ideas if they weren’t going to make me an offer. The following Monday they called and said we’d like to make
Targeting more number of visitors and increasing the number of visitors to your website requires extensive effort in Reciprocal Linking.Getting reciprocal links is not all that difficult. All you need is a good website and then little patience to get the links. There are many benefits of having links to your site. The obvious benefit is the increased traffic. The additional links add value to the visitors' experience. As they come and visit your site they may find useful links to other sites also making it a better experience. In case you are selling an excellent product you can start a great affiliate programme also. These links are an excellent way to improve the search engine rankings also.Some great ways to get reciprocal links are:· Place other links on your site and then r
by Christine Katz, Writers on the Rise, E-zine
WOTR: When did it first occur to you to write a book about good and bad debt?
JON HANSON: It was in 1992. I began the book many times. My original title was A Matter of Life and Debt. In fact, I drug out the 28 pages I wrote in 1992 in 2002 and gave them to a waitress who asked to read them. She then passed them all around to her family to read. It made me think—perhaps I had something with commercial value.
I wanted a guideline to leave for my family to follow should I prematurely assume room temperature. I also wrote it to cause me discomfort when I stray from its wisdom. Not only is the book a disclosure of many of my mistakes in hopes of others avoiding them, it is the very best of my intensive research regarding debt. I read through about 10,000 pages of Victorian Era books, too. Authors like, Ben Franklin, Samuel Smiles, and Orison Swett Marden influenced me greatly. The human condition hasn’t changed that much in 400 years. With technology it moves quicker, but humans living beyond their means is hardly a new story.
WOTR: How did you go about preparing to write your proposal?
JON HANSON: First, I read every book available on proposal writing and book marketing. I read Jeff Herman, Michael Larsen, and everything available on the Internet. Most of them I have listed on a test site I use: http://www.gdbd.com/proposal/ While reading Jennifer Bayse Sander’s Idiots Guide to Getting Published, she mentioned Mark Victor Hansen’s Mega Book University, a three-day event to be held in Los Angeles, I was too late to go to the event, but bought the CD’s, listened, and studied them, and resolved to go the next year. This one single event (getting advice from people selling millions of books) probably did more for me than any other to make my proposal as good as it was. The acquisition editor at Penguin said, “This is the best ‘non-agented’ proposal we have ever seen. We are impressed with all of the research and work you have put into it.”
WOTR: What were the key things you learned throughout the actual proposal writing process?
JON HANSON: Only sales can make a best seller! Everything else is hot air. If you have romantic notions about the book business, you are heading for a big let down. It is true publishers say they want beautiful writing, but what they really want is another, Purpose Driven Life (30 million) or Rich Dad Poor Dad (3.5 million) or Good to Great (3 million) or Da Vinci Code (3 million? Maybe more).
WOTR: Why is marketing just as important as content when selling a book?
JON HANSON: With no sales or very low sales, the publisher doesn’t make money, your editor gets fired, your name is mud, and you can’t sell the next book. Remember, you are ultimately paid by the end consumer not the publisher. Don’t forget that. I imagine writers and artsy-types won’t like that. We all want to be paid for the beauty of the arrangement of the words we peck into our computers. I do think part of the deal with Penguin that sold them was I wrote a very good book. But the reality of it is they have placed a $60,000 bet on my ability to promote and sell it. We are both betting on the subject matter. I don’t know all of Penguin’s soft costs, but I have read it takes $30,000 to $40,000 to bring a 50,000 first printing hardcover book to a national release. They gave me $20,000 upfront. My royalties will be about $3 a book so the first 6,500 will go back to the house.
WOTR: Why did you decide to send your proposal straight to publishers instead of pursuing an agent?
JON HANSON: I got tired of chapping my lips on the wrong butts. It seemed to me it involved climbing two great mountains when I barely had enough strength for one. I had an agent in New York tell me he could get me a deal if I had a syndicated column or a TV show! Amazing. It was his way of saying my platform was not broad enough. I beefed up my section on platform and after about four serious swings at good agents, I decided to go direct. Michael Larsen was looking at it, but I had to withdraw it from him when I sold to Penguin. So, technically, he never turned me down.
Once I decided to go directly to publishers, it took me four proposals to get a deal. I became convinced that a small publisher would be best. I carefully selected and researched the “right one.” In about three weeks I had the rejection letter. I was crushed for about 23 minutes (that is all I allow for crushing defeat). I then decided to send to another small publisher (Career Press) and a regional (Adams Media) and a big six publisher. I found the emails for everyone at http://www.publishersmarketplace.com
I got a response to my query in twenty minutes from the President of my imprint. It only said, "Sure send the proposal. Be glad to look." Career called and said they might be interested but wanted me to get a CPA, PhD or CFP to go on the cover with me (presumably to bolster my credentials). My contact at Adams was on vacation. Penguin called me about 5 or 6 days after I sent the proposal. A week later, they called and wanted me to come up with examples of good and bad debt for the marketing department. I worked for hours on that one page of marketing material. I assumed they wouldn’t be asking for marketing ideas if they weren’t going to make me an offer. The following Monday they called and said we’d like to make
Those who have bad credit, no credit at all or even those who have gone through a bankruptcy process will find that homeownership can assure them approval for the money they need. The security that mortgages provide to the lender reduces the risk involved in lending to those with bad credit.A mortgage loan consistently reduces the risk involved in a lending transaction for the lender by securing the loan with a property. The property used as collateral guarantees repayment of the loan in case the borrower fails to meet the monthly payments. Bad credit mortgage loans have been designed in the late years to meet the needs and the budgets of those who have a less than perfect credit but still need finance for purchasing a property.Sub-Prime Lending Since most of the applican
WOTR: How did you go about preparing to write your proposal?
JON HANSON: First, I read every book available on proposal writing and book marketing. I read Jeff Herman, Michael Larsen, and everything available on the Internet. Most of them I have listed on a test site I use: http://www.gdbd.com/proposal/ While reading Jennifer Bayse Sander’s Idiots Guide to Getting Published, she mentioned Mark Victor Hansen’s Mega Book University, a three-day event to be held in Los Angeles, I was too late to go to the event, but bought the CD’s, listened, and studied them, and resolved to go the next year. This one single event (getting advice from people selling millions of books) probably did more for me than any other to make my proposal as good as it was. The acquisition editor at Penguin said, “This is the best ‘non-agented’ proposal we have ever seen. We are impressed with all of the research and work you have put into it.”
WOTR: What were the key things you learned throughout the actual proposal writing process?
JON HANSON: Only sales can make a best seller! Everything else is hot air. If you have romantic notions about the book business, you are heading for a big let down. It is true publishers say they want beautiful writing, but what they really want is another, Purpose Driven Life (30 million) or Rich Dad Poor Dad (3.5 million) or Good to Great (3 million) or Da Vinci Code (3 million? Maybe more).
WOTR: Why is marketing just as important as content when selling a book?
JON HANSON: With no sales or very low sales, the publisher doesn’t make money, your editor gets fired, your name is mud, and you can’t sell the next book. Remember, you are ultimately paid by the end consumer not the publisher. Don’t forget that. I imagine writers and artsy-types won’t like that. We all want to be paid for the beauty of the arrangement of the words we peck into our computers. I do think part of the deal with Penguin that sold them was I wrote a very good book. But the reality of it is they have placed a $60,000 bet on my ability to promote and sell it. We are both betting on the subject matter. I don’t know all of Penguin’s soft costs, but I have read it takes $30,000 to $40,000 to bring a 50,000 first printing hardcover book to a national release. They gave me $20,000 upfront. My royalties will be about $3 a book so the first 6,500 will go back to the house.
WOTR: Why did you decide to send your proposal straight to publishers instead of pursuing an agent?
JON HANSON: I got tired of chapping my lips on the wrong butts. It seemed to me it involved climbing two great mountains when I barely had enough strength for one. I had an agent in New York tell me he could get me a deal if I had a syndicated column or a TV show! Amazing. It was his way of saying my platform was not broad enough. I beefed up my section on platform and after about four serious swings at good agents, I decided to go direct. Michael Larsen was looking at it, but I had to withdraw it from him when I sold to Penguin. So, technically, he never turned me down.
Once I decided to go directly to publishers, it took me four proposals to get a deal. I became convinced that a small publisher would be best. I carefully selected and researched the “right one.” In about three weeks I had the rejection letter. I was crushed for about 23 minutes (that is all I allow for crushing defeat). I then decided to send to another small publisher (Career Press) and a regional (Adams Media) and a big six publisher. I found the emails for everyone at http://www.publishersmarketplace.com
I got a response to my query in twenty minutes from the President of my imprint. It only said, "Sure send the proposal. Be glad to look." Career called and said they might be interested but wanted me to get a CPA, PhD or CFP to go on the cover with me (presumably to bolster my credentials). My contact at Adams was on vacation. Penguin called me about 5 or 6 days after I sent the proposal. A week later, they called and wanted me to come up with examples of good and bad debt for the marketing department. I worked for hours on that one page of marketing material. I assumed they wouldn’t be asking for marketing ideas if they weren’t going to make me an offer. The following Monday they called and said we’d like to make
Oftentimes in business dealings we are faced with unsavory situations with clients and peers. These can prove to be destructive or, if handled well, can actually strengthen our relationships. In this article I share some helpful tips and techniques I have learned.Take a walk in your adversary's shoes. In an unsettling and/or unnerving situation when we feel we are "right" and the other person is "wrong" or unreasonable, I suggest we step back and tell the story from the other person's point of view. I once took a class from a wise mentor. He had us write a paragraph describing a co-worker who bothered us - either through their actions, words or attitude. I wrote about Marvin who lacked drive and the willingness to do his share of any job. In my paragraph, he was a shirker and laz
JON HANSON: Only sales can make a best seller! Everything else is hot air. If you have romantic notions about the book business, you are heading for a big let down. It is true publishers say they want beautiful writing, but what they really want is another, Purpose Driven Life (30 million) or Rich Dad Poor Dad (3.5 million) or Good to Great (3 million) or Da Vinci Code (3 million? Maybe more).
WOTR: Why is marketing just as important as content when selling a book?
JON HANSON: With no sales or very low sales, the publisher doesn’t make money, your editor gets fired, your name is mud, and you can’t sell the next book. Remember, you are ultimately paid by the end consumer not the publisher. Don’t forget that. I imagine writers and artsy-types won’t like that. We all want to be paid for the beauty of the arrangement of the words we peck into our computers. I do think part of the deal with Penguin that sold them was I wrote a very good book. But the reality of it is they have placed a $60,000 bet on my ability to promote and sell it. We are both betting on the subject matter. I don’t know all of Penguin’s soft costs, but I have read it takes $30,000 to $40,000 to bring a 50,000 first printing hardcover book to a national release. They gave me $20,000 upfront. My royalties will be about $3 a book so the first 6,500 will go back to the house.
WOTR: Why did you decide to send your proposal straight to publishers instead of pursuing an agent?
JON HANSON: I got tired of chapping my lips on the wrong butts. It seemed to me it involved climbing two great mountains when I barely had enough strength for one. I had an agent in New York tell me he could get me a deal if I had a syndicated column or a TV show! Amazing. It was his way of saying my platform was not broad enough. I beefed up my section on platform and after about four serious swings at good agents, I decided to go direct. Michael Larsen was looking at it, but I had to withdraw it from him when I sold to Penguin. So, technically, he never turned me down.
Once I decided to go directly to publishers, it took me four proposals to get a deal. I became convinced that a small publisher would be best. I carefully selected and researched the “right one.” In about three weeks I had the rejection letter. I was crushed for about 23 minutes (that is all I allow for crushing defeat). I then decided to send to another small publisher (Career Press) and a regional (Adams Media) and a big six publisher. I found the emails for everyone at http://www.publishersmarketplace.com
I got a response to my query in twenty minutes from the President of my imprint. It only said, "Sure send the proposal. Be glad to look." Career called and said they might be interested but wanted me to get a CPA, PhD or CFP to go on the cover with me (presumably to bolster my credentials). My contact at Adams was on vacation. Penguin called me about 5 or 6 days after I sent the proposal. A week later, they called and wanted me to come up with examples of good and bad debt for the marketing department. I worked for hours on that one page of marketing material. I assumed they wouldn’t be asking for marketing ideas if they weren’t going to make me an offer. The following Monday they called and said we’d like to make
There's no doubt about it that we are being bombarded with more advertising and marketing -- especially online -- than ever before.And if you want your ads to cut through the noise and clutter of an overcrowded market place, one of the best things you can do is not try to make the sale at all.Let me explain.Almost 100 years ago the legendary copywriter Maxwell Sackheim wrote an ad with a headline (that is now ingrained in direct response copywriting mythology) that said, "Do You Make These Mistakes In English?"And even though the ad is considered to have some of the best "sales copy" of all time, nothing in the ad was being "sold." Instead, the entire ad was designed to get people to send for a free book.You see, before selling anything, the ad first got anyone inte
WOTR: Why did you decide to send your proposal straight to publishers instead of pursuing an agent?
JON HANSON: I got tired of chapping my lips on the wrong butts. It seemed to me it involved climbing two great mountains when I barely had enough strength for one. I had an agent in New York tell me he could get me a deal if I had a syndicated column or a TV show! Amazing. It was his way of saying my platform was not broad enough. I beefed up my section on platform and after about four serious swings at good agents, I decided to go direct. Michael Larsen was looking at it, but I had to withdraw it from him when I sold to Penguin. So, technically, he never turned me down.
Once I decided to go directly to publishers, it took me four proposals to get a deal. I became convinced that a small publisher would be best. I carefully selected and researched the “right one.” In about three weeks I had the rejection letter. I was crushed for about 23 minutes (that is all I allow for crushing defeat). I then decided to send to another small publisher (Career Press) and a regional (Adams Media) and a big six publisher. I found the emails for everyone at http://www.publishersmarketplace.com
I got a response to my query in twenty minutes from the President of my imprint. It only said, "Sure send the proposal. Be glad to look." Career called and said they might be interested but wanted me to get a CPA, PhD or CFP to go on the cover with me (presumably to bolster my credentials). My contact at Adams was on vacation. Penguin called me about 5 or 6 days after I sent the proposal. A week later, they called and wanted me to come up with examples of good and bad debt for the marketing department. I worked for hours on that one page of marketing material. I assumed they wouldn’t be asking for marketing ideas if they weren’t going to make me an offer. The following Monday they called and said we’d like to make
Mediation is older than any legal system. The great Bacon wrote the praises of mediation nearly four hundred years ago, in one of his celebrated Essays:“It is generally better to deal by speech than by letter, and by the mediation of a third, than by a man’s self . . . in all negotiations of difficulty, a man must not look to sow and reap at once, but must prepare business, and so ripen by degrees.” Francis Bacon (1561-1626)To mediate means:1. To bring about (an agreement, peace, etc.), as an intermediary between parties by compromise, reconciliation, removal of misunderstanding, etc.2. To settle (disputes, strikes, etc.), as an intermediary between parties: reconcile.3. To effect (a result) or convey (a message, gift, etc.), by or as by an intermediary.4. T
I got a response to my query in twenty minutes from the President of my imprint. It only said, "Sure send the proposal. Be glad to look." Career called and said they might be interested but wanted me to get a CPA, PhD or CFP to go on the cover with me (presumably to bolster my credentials). My contact at Adams was on vacation. Penguin called me about 5 or 6 days after I sent the proposal. A week later, they called and wanted me to come up with examples of good and bad debt for the marketing department. I worked for hours on that one page of marketing material. I assumed they wouldn’t be asking for marketing ideas if they weren’t going to make me an offer. The following Monday they called and said we’d like to make you an offer. We had three days of negotiation (gut wrenching for me) and made a deal September 23, 2003.
I immediately called and emailed the other publishers to thank them and withdraw. Publishing is a small world, it's wise to be kind to everyone.
Jon Hanson is the author of "Good Debt, Bad Debt" forthcoming from Penguin Portfolio in January 2005. Download a free audio "The 12 Daze of Debtmas" Here: http://gooddebt.com/audio_player.htm Are you letting Christmas Become Debtmas? This ninety second audio is hilarious, free to pass on to your friends in mp3 format. Listen on line or download.
For more information visit http://www.gooddebt.com/ A 23-page excerpt is available at http://www.gooddebt.com/gdbd_excerpt.pdf
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