slowjoe, i'll share with you something a friend of mine created and said I could share with my brokers/LOs. I know that he has no problem with my posting them here. I am even putting in the same message I gave to my e-mail blast recipients. If you read it closely, you'll even see where he credits me with one. My favorite actually.

Good luck with them. I hope you make plenty of money.
The following was created by a friend of mine. Use it if you like or toss it if you don't think it will help. I'm sure you'll find at least one thing in there you might use.
1) There are sooo many ways to generate business. One overlooked, basic tool is to LET EVERYONE know what you do. Name tags and company shirts.....GET THEM.
2) Go to a restaurant supply company and price paper placements....it works
3) Work open houses..realtor and FSBO.
4) Figure a niche that will separate you from the rest. I've got mine....do you??
5) 80% of all your business comes after the 5th contact
6) Set GOALS...both personal and business.
7) A great source of refi leads are appraisals.Every appraisal has at least 3-4 comps.(thanks MAC)
8) Organize and market to your database contacts often. At least 2x a month.
9) Rome wasn't built in a day. Neither will your strongest referral partners.
10) Start a networking group. Join the chamber and the board of realtors.
11) Change your mindset from broker to consultant.
12) Events change and people transition. Help people transition and respond to change.
13) DO NOT do the same thing and expect different results.
14) RIGHT NOW....study all new guidelines.
15) Target renters
16) Target investors.
17) Market to homeowners with heloc's and 2nds
18) Whenever you feel fear, you're not moving fast enough.
19) Referral= when someone sends someone they care about to one they respect.
20) Customers refer from the heart...not their brains.
21) It's impossible to think big, when little things keep you down.
22) Formulate a business plan in writing.
23) Persistence is key with direct mail. You cant test a mailer with less than a 7k drop.
24) Buy the right list.dont skimp. Your gonna get what you pay for.
25) Conflict arises when the truth is not being told.
26) Activity breeds results.
27) 100% financing signs will fill a pipeline if used correctly.
28) Watch indicators and rates on a daily basis.
29) Completely fill out a 1003.
30) Your best friend is your planner. When used with a things to do list and a journal, it is the most effective way to organize, prioritize and document.
31) YOU ARE IN CONTROL OF THE TRANSACTION.
32) LO'S at banks are great referral sources...refer them your heloc's.
33) As a new loan officer, it is extremely important to follow the 10 contact a day theory. In today's market it will take 90-120 days to get your pipeline rolling.
34) Red and black, and yellow and black will have the highest response rates with postcards.
35) Plant referral seeds early in your conversation with prospective clients.
36) Use Sunday night to refocus. Check your planner for weekly activity. Review your goals and make sure you are staying on track.
37) Stay focused in your day to day activity.