Two things....

1. deal the cards

2. play the hand

I can handle them, NO problem !   Two classes off the top.

First, the proper way to create, improve and maintain a high credit score.   Most young folks (and a lot of older ones too) don't understand the whole credit score concept.

Second, a First Time Home Buyer's seminar.   Preparing to purchase a home is sooooo much more than a credit score and this followup can help them get their ducks, and their DOCS, in a row. 

lets go - where are we going? 

I have been working at upgrading my farm group or starting anew one just for a more upper clientel

I will read the article and let you know Annette.

If you switch from awful to those more professional your chore as a real estate consultants is a lot easier.

I gave you my long reply on your well written blog post.

we need to test that periodically.... it's foolish not to ..., 

 It can. It's all in the mind.

Good morning Annette. Have no plans on changing my audience, it doesn't matter to me the size of the transaction, all have the right to my mortgage knowledge and ability.

I'm not afraid of change or new people. I think, there is too much of that in my life...:)

If your audience isn't giving you the reaction you want, you definitely should change either the audience or your approach to communicating with that audience.

I just committed to a different demographic in 2016 for a listing farm ect.  

Yes, changing my audience has great value assuming I attract an audience that has property to sell or the means to buy in my niche. I've been experimenting with attracting more millenials. So far so good!

I don't do well with a lot of change