Day Trading and Home Values - How The Real Estate Markets Create Day Trading Opportunities by The Guerrilla Trader

Day Trading and Home Values - A Summary
It is widely believed that housing drives the national economy. Supporting this theory is the fact that the current economic collapse started with a collapse in home values.
And after the housing collapse, the stock market followed, taking down millions and millions of American's retirement and investment accounts with it.
Many people believe that the housing sector has reached a bottom, and is headed back up. Indeed, there is evidence to support this believe.
Las Vegas recently reported a record month for number of housing units sold. In some markets, prices are starting to creep back up.
Looking at the markets, it seems that investors believe that things are improving. The Dow recently broke through the 10,000 level again, the S&P is up over 200 points in the last four months.
Despite many companies announcing weak earnings for the third quarter, the market is still holding up relatively well, which is likely due to the believe that housing is recovering.
However, this optimism may be unfounded. One leading research firm, Fiserv, believes that the somewhat good news we've been seeing lately on housing is nothing but a "dead cat" bounce.
Fiserv predicts that the overall median home value in the United States will drop by another 11%+ by June of next year, before finally stabilizing, and perhaps a 3%+ increase the following year.
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Driving the downward pressure on home values will be a deepening of the foreclosure crisis, which is no where near over.
In fact, the record home sales recorded earlier this year in Las Vegas was driven by investors picking up foreclosed properties for ridiculously low prices.
So what does this mean to Quite a bit, actually.
Right now, there are two forces at play. People want to be optimistic about the health of the housing market, and the economy in general. This optimism is leading to an incline in the markets.
But at the same time, reality is the housing crisis is far from over, and at the same time, third quarter earnings continue to be poor overall.
So what will win out? The general investor's optimism for the future, or the harsh reality of the present?
Either way, the volatility created by the two opposing forces will create unprecedented day trading profit opportunities.
For a day trader, volatility is king. That is where profits are born.
As the housing crisis continues, look for negative housing data to battle with investor optimism in the short term, with reality winning out long term.
Short opportunities will abound going forward. Are you ready to take advantage of them?
THE GUERRILLA TRADER
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Convincing Hard Money Lenders by Samantha Dawson

Flipping houses is a very profitable kind of real estate investing. But if you can't buy a house, you also can't flip it, and won't earn from it. That is why rehabbers, or those who flip houses, rely on hard money lenders. These private lenders finance a whole project for rehabbers. So to get hard money loan, there is actually only one thing you should do: Find good deals.
Let's look at it this way. Say you're putting up a basketball team. You want to join a league but you just don't have the money to buy players' uniforms and fund their salaries. What you do is you search for a financier or a manager. That person will fund you team if he believes that he will benefit from it. If you build a good team, that means your chances of reaching the championship stage is high. If your team, bears the name of the financier, then that's free advertisement for him until the final stage of the league. You on the other hand, come close to the trophy with every win.
The same goes for hard money loans. If the lender believes that he will earn profit by funding your project, then you'll get the money. But exactly does a lender determine this? They will assess the property you want to fix and flip and estimate its ARV (after repair value). The ARV is the property's worth after all the necessary repairs and renovations had been carried out.
Hard money lenders will unlikely check you creditworthiness. That means that you can get money from hard money loans even with a poor credit score. They will not make a deep background check on your finances. What is important to them is that you prove that your project is worth funding. After all, what they will earn from the venture will depend on the project itself. The assessment of borrowers is where private lenders and traditional lenders differ the most.
Convincing hard money lenders to grant you money is also easier. Unlike banks, they usually operate individually. If the lender says "yes" to your request, then that's it. No more 30-day processing period, no more waiting for approval of big bank personnel. This process speeds up you loan application and your opportunity to earn more money.
To learn more about hard money lenders, visit REIwired.com. The website is your best source of information on flipping houses and all forms of real estate investing. You can watch videos, read articles, and listen to the biggest names in real estate investing through the website.

The One Tool You Must Use in order to be Successful in real estate Investing by Kay Deshall

You wouldn't open up a new retail business selling clothes without having a full business plan in place first. The same way a retail business creates an advertising plan to assess their business needs and plan is the same reason real estate investors need to create one. It allows you to clearly state short-term goals, it helps you map out the things you need to do to stay on track and achieve this goal. It also allows you to set deadlines so everything gets done, and helps you concentrate on high paying activities like making offers on great deals.
Analyze where you are getting your deals from. By using a more precise targeting strategy you can improve your closing ratio and meet your monthly goals faster. Your monthly plan should Include all of you goals to ensure your success.
With this information you can look at your current resources, look ahead, and adequately plan out what you want to have happen, as far as deals and goal money to make for that month. For example, let's say you bring in around $20,000 per month and your average deal gives you $5,000. That's 4 deals per month and you net fifty percent of your gross after expenses ($10,000). If you want to double your net income next month you will need to do twice as many deals to meet your goal of $40,000 net in one month.
Most people fail in real estate because they don't have a master plan and goals. An investor should have a detailed plan of what they want to do, what they want to accomplish, and exactly how they will go about achieving this success. Examine your current numbers, more than 75% of all real estate entrepreneurs know how many houses they are buying each month, but they don't even know where those houses came from and how many leads they had to process to develop them into the single deal. This is a golden rule. You should know; The total leads that call each week as well as where those leads come from. Know how many "qualified" seller prospects you get each month. The ratio of total vs qualified, the number of deals you have closed, as well as the ratio of closed deals to qualified leads (from each lead source). And last how much you make from each seller vs how much it cost you to acquire a new seller.
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The Pros of Securing Hard Money Loans by Samantha Dawson

A hard money loan is perfect for real estate investors who can't afford to buy an investment property on their own. Some people might think that this particular type of loan might be hard to obtain because of its name. However, this is not really the case. Unlike in traditional financing, hard money loans are easier to procure and it only take a few days -not weeks or months - to get your loan application approved.
Basically, a hard money loan is type of asset-based financing wherein a lender approves a loan based on the deal or the selling potential of a property for which the loan is made. It is usually given by private lenders, who have a big amount of ready money on hand, or a small venture capital group.
For a real estate investor, securing such a loan has many advantages compared to traditional financing. Listed below are some of them:
* A borrower doesn't have to present credentials or report his current financial status just to get a loan. Because a hard money lender relies on the value of a property to determine a loan's eligibility, an investor can still have his loan approved even if he has a bad credit score.
* Since lenders usually disregard a borrower's credit history, loan approval is quicker.
* Some lenders provide a 100% financing on some deals.
* A property's repair cost is usually covered.
* A borrower doesn't have to deal and negotiate with a panel of loan processors.
If you are planning to acquire the services of a hard money lender, there's a number of ways to find someone who's willing to provide financial assistance for your real estate business. You can either consult members of the local real estate investing association or ask those involved in the financing business for referrals. You can also ask accountants since some of them have clients who have access to quick cash.
In addition, you can visit RehabHardMoney.com, a site that brings together thousands of hard money lenders and borrowers from all parts of the country. By logging on to the site, you can secure loans faster, easier, and without the fuss.

The Truth about Hard Money Loans by Samantha Dawson

Real estate investing has made a significant impact on the lives of many people. It has helped many investors fulfill their dreams of climbing the career ladder. It has also given others the opportunity to provide the best for their families. So if you are one of those people who want to achieve all these things, then engaging in real estate investing is the perfect career path for you.
Being a real estate investor, one of the most important things you should do is to find good financing. Financing enables you to purchase investment properties, which are prime ingredients to your means of living. Without it, you won't be able to buy a house that you want to flip or rehab.
But what if you have a bad credit history and banks and other traditional lenders won't approve your loan? Should you stop being an investor? No, you shouldn't. Such a scenario mustn't discourage you from being involved in real estate investing because there is another way to secure funds for your business.
A hard money loan is the perfect alternative for those people who want to secure funds in a short time. It is basically a type of asset-based financing in which the lender relies on the value of an investment property to assess the eligibility of a loan.
Unlike their traditional counterparts, hard money lenders do not require the borrower to provide documents, his credit history, and other credentials. Thus, securing a hard money loan is faster and easier. In addition, most of these lenders are private individuals or small venture capital type groups who have a huge amount of cash on their hands.
To find a partner who's willing to provide you with quick cash, you can join a real estate investing club or visit mortgage companies and ask for referrals. You can also visit RehabHardMoney.com.
Because the web site allows thousands of hard money lenders and borrowers to meet each other, finding a reliable partner who will back you up is easy. Log on to RehabHardMoney.com today and jumpstart your career in real estate investing.

Rehablist.com's Tools of the Real Estate Trade by Daniel Mc Grey

One of the great benefits of Rehablist.com is the primary tools for real estate investing. A learning center and a free advertising feature are available. The Learning Center contains informative articles regarding different areas of real estate investing. Hard money lending, house wholesaling, house flipping, and house rehabbing are some of the topics discussed in the site's Learning Center. The kinds of investments and methods for investing are explained and scrutinized well. It is a great starter for those people who are new to the business. Aside from informative articles, a set of videos are also provided. These videos show the actual processes done in flipping and rehabbing a home. The videos are inspired by A&E's Flip This house and TLC's Flip That House reality shows. There are also available training videos that are updated every Friday, so be sure to check on the site regularly. Once you're fully educated on the basics and processes of real estate investing, it's time to make it work. You can apply all that you've learned also in the site through advertising of your properties. Or, if you're into flipping houses, search for properties in the site too. Have hassle-free real estate advertising through Rehablist.com. The site enables realtors and investors to put up their ads on the site for FREE. Also, you'll be able to search properties in the site for free. It's quick and easy. All you have to do is sign up and fill out the form with your information to get started. Wherever you are in the country, you can search and post properties in the site. By signing up, you can get even better benefits and tips about the business. Plus, you'll receive free investment property listing alerts through your email. So what are you still waiting for? Visit Rehablist.com today and be on your way to a successful career in real estate investing.

The Role of the Internet and Rehablist in Real Estate Investing by Daniel Mc Grey

Like in any other businesses, succeeding in real estate investing requires patience, hard work, and dedication. A real estate investor must take advantages of opportunities that will make him successful in his chosen field. In addition, he needs to get his hands on all the available resources to make it big in the business. The Internet is practically a treasure trove of ideas and information that can help an aspiring investor. There are web sites that offer a crash course on real estate investing while others provide instructional materials such as e-books, articles, and various write-ups. For those who aren't fond of reading written manuals, do not worry because watching instructional videos on video-sharing sites can definitely help improve your knowledge of real estate investing. Reading the blogs and online journals of successful real estate investors can also boost one's skills in flipping houses or buying and rehabbing fixer upper homes. Many of those who made it big in the business are sharing their secrets with fellow investors just to be of great help to these people. Over the years, the Internet has played an important role in the development of real estate investing. Aside from providing brokers and realtors with all the resources they need to succeed in the business, the Net has also helped homeowners sell unwanted properties and market them to attract buyers and meet potential business partners.
Investors can also count on the Internet to find financers for their business. As we all know, real estate investing mainly involves buying and reselling homes. An investor wouldn't succeed in the business if he couldn't find the means to buy the property that he wants to resell at a higher price. This is why he needs the assistance of a hard money lender and the Internet is the perfect place to look for one.
For the benefit of those who don't know anything about a hard money loan, here' a quick explanation. A hard money loan is a form of asset-based loan financing secured by the value of a collateral property. It usually has 65% to 70% maximum loan to value ratio. For instance, if a borrower uses his $100,000 property as guarantee for his loan, he can borrow up to $70,000 from the lender.
Meanwhile, Rehablist.com is a fine example of a web site that gives individuals various information about real estate investing,, as well as provides them with the opportunity to advertise the property that they are selling. Through the site's "free real estate advertising" service, owners of undervalued, distressed, and fixer upper homes can be sure that the homes they are selling will get the maximum exposure they need. Thus, homeowners don't have to wait that long to earn extra money by selling unwanted real estate assets. All they have to do is register with Rehablist.com. Rehablist also provides leads to the best hard money lender in town. The site brings together hard money lenders and real estate investors who are looking for someone to finance their business. Like the Internet, the site is indeed a treasure trove of resources for real estate investing.
To know the secret to conquering the housing business, simply visit Rehablist.com.

Real Estate is Cyclical, Seasonal and Emotional by John Watch

Real Estate is three things:
* Cyclical * Seasonal * Emotional
Cyclical Cycles run about 15 years in length with the current cycle beginning in late 2006. We can track the beginning of this down cycle to the last down cycle from 1989-1991 and we have heard thousands of comments on this. When the cyclical adjustment occurs it is an adjustment to the underlying structural issues in the market. For this real estate cycle, the structural problem is comprised of two elements:
A. Influx of new home buyers (former renters) who received mortgages through nonstandard financing. That is the emergence of No Asset, No Docs, Interest Only Mortgages at 125% of Value programs. We all know the affect these had on the market.
B. Excessive over development which created 5 million vacant housing units not supported by population demand. The existing oversupply issue will take at least two, if not three more years to be absorbed and new housing starts will remain below 800,000 units in 2010 and 1 million in 2011.
Seasonal Changes occur every year and follow a fairly consistent pattern. The news today and for the next several months is a result of seasonal changes, not necessarily structural ones. The spring and summer selling season always show the top values in any market, and the fall and winter show the bottom. This is one of the prime effects of the recent crash; it began in late 2006 and early 2007, but did not pick up speed until late 2008. By that time, the snow ball going down the hill was an avalanche and the population and financial system reacted accordingly: they ran! The actual correction or rebound in housing will not show signs until the beginning of the spring 2010 selling season.
Emotional changes are best described by many of the commentaries in the Iacono post. Because we lack so much important data on the real estate markets, such as the sales price per square foot which the rest of the industrialized world uses and because of our own ignorance or arrogance (we all know the answer) our emotions take control. Fear of the unknown is the worst element of any financial market. That is what we've experienced for the past nine months.
What creates fear is the lack of information. In real estate, we always are reporting on the past and trying to guess the future. Utilization of more quantitative data will permit us to evaluate data more accurately and track the markets in an efficient manner.
How many of the commentators and authors have the actual data? How many are relying on other data sources to build their articles?
Accuriz.com has the actual sales and inventory data from over 300 assessment offices covering 40 million properties in the top 100 MSA's. We also reference Census, Commerce and Labor for their data and economic forecasts. So I finish with this, the Free Market must develop an independent solution to track and predict the real estate market, or we will all be talking about this again in 15 years.

Why should I Invest in Real-Estate Right Now? by Khalid Johnson

I'm sure many of you have heard this is the best time to buy a house over and over. Well, it's true. Property values are at an all time low and it is really easy to purchase a cash-flow rental property. I would like to say that house values are at rock bottom, but there are more and more foreclosures coming on the market every day. Please realize this is the time to buy and hold not flip. There are still some opportunities to flip properties, but those deals are much harder to find. Investor goals should be to acquire as many rental properties as possible until the market turns around. Be sure that each investment property is bringing in at least $200.00 a month in rental income.
Investors may also want to consider buying investment property from a wholesaler. Good wholesalers are professionals at finding great deals and leave a lot of the equity in the property for the landlord. This is very important because landlords should buy property below fair market value. You would be surprised how many landlords buy investment property for fair market value and not below that amount. Investors should hold these properties for three to ten years. That time will give the property a chance to increase in value, therefore leaving the option open to liquidate the property for a profit or continue receiving positive cash-flow rent.
This is an opportunity of a life time. If investors can play their cards right they could put themselves in a position to retire early. Just imagine owning three or four rental properties free and clear. That can be $2,000-$3,000 of additional income when you are ready to retire from work. I bet that kind of income for an older person would make anyone feel secure. They say social security is running out, but with assets like that who cares. Avoid all the hassles of managing rental property by hiring a property management company. All you have to do is check your mailbox each month for your check and any problems that the tenant may have goes to the property management company. It cannot get any easier than that.
Do you want to know what I would do if I won the lottery? Buy rental property. I would buy fifteen houses all cash and cash-flow around $14,000 a month. That is a situation that you could truly never work again. Owning rental property can be very powerful if you structure the deal correctly, or buy from a wholesaler. Many people have fears about owning rental property, but those are the ones who will be waiting for that social security check to arrive in the mail. Risk are associated with everything we do, smart investors define those risk and make a plan to avoid those risk. Nothing will ever happen for scared people, but risk takers profit big in the long run. Rental property can be one of the safest investments you can ever make.

Real Estate Investing - how to make money in Real Estate by Rick Irvin

Real Estate Investing
If you have ever thought about investing in actual estate, now is the time. You may be thinking that since the actual realty market is in the tank at the moment and that it can't possibly be a good instance to get into this market. But you couldn't be more wrong! There are more foreclosures than ever right now and that presents a ton of opportunity for us investors who have been waiting for prices like what we are now seeing. I undergo the media is out there saying the sky is falling. However, there are some successful investors quietly sitting back and laughing as they attain money hand over fist. Let me let you in on a little secret that all successful investors know...The instance to acquire is now!
It's the perfect instance to get involved right now in actual realty investing. Lenders are currently finding themselves in situations where they have loans that are not getting paid, and home owners are being forced into foreclosure everywhere you turn. There are banks all over the place with so much inventory, they don't undergo what to do with it. They simply cannot move it quickly enough. There are also thousands of unbelievably motivated sellers just waiting for someone to come along and save them from foreclosure. That 'someone', could be you.
There are a few things that you should keep in mind before getting started: 1) Never pay too much for your investment property. There are plenty of homes available for very reasonable prices. You attain your money when you buy! You should never pay more than 65% of the after repaired value of the home. Don't forget that you module have other costs to pay, much as retentive costs, closing costs, as well as any money that you spend on the rehab of the home to bring it up to rentable or saleable condition. Bottom line, you need to be able to still turn a profit.
2) Use none or as little of your own money as possible when you purchase an investment property, if at all possible. If you are using your own money, you module be limiting your own cash flow. You can take money from a conventional lender and put as little down as possible, or you can also get a hard money loan for the cost of the property and the rehab costs.
3) Don't do your own renovations. You have probably seen them on TV shows, those concern flipping pros doing their own rehab work. However, you won't be able to do more than one flip at a instance if you're doing your own work. You need a solid power team, including reputable skilled contractors who module fulfill this end of things.
4) To get great deals, acquire from motivated sellers. Banks are quite motivated these days, being that they have so much inventory right now due to all the foreclosures. There is also a grouping to find motivated sellers out there called the Four D's. Look for them. They are: Death, Divorce, Disaster, and Disease. All of these reasons module produce motivated sellers and you module be helping these folks out who have been hit by these types of life events, by purchasing their home before they go into foreclosure.
5) He who mentions dollar amounts first loses. It's a known fact. The first rule of negotiation is to wait for the other person to name a price. List all of the items on the rehab punch list during the counteroffer Finally, The best thing that you can do for your own success in actual realty is follow and focus on a proven and true grouping for investing in actual estate. Find something that resonates with you, stick to it, focus on it and take action-that's where most folks start short. Just do it! Stick to a proven and true grouping and you module be making money in no instance at all.
6) Finally, The best thing that you can do for your own success in actual realty is follow and focus on a proven and true grouping for investing in actual estate. Find something that resonates with you, stick to it, focus on it and take action-that's where most folks start short. Just do it! Stick to a proven and true grouping and you module be making money in no instance at all.
For more Free Information, visit http://www.realestateinvestingonline.org

House Prices Begin A Steady Climb by King Adams

Many people are in an all out frenzy as house prices begin to show progressive climb, Since the economy was put into shambles, prices on homes were beginning to drop all over the world, however now it seems as if that dropping period has come to an end.
A wide majority of banks were actually extremely cautious at lending out any money to people who were trying to purchase a home. However, even with those hesitations many people were able to still purchase homes. The house prices falling were actually everyone's first inclination about the economic crisis.
Presently the economy has not shaped up the way that it should have. The unemployment rate still continues to fluctuate. This rate leaves people guessing; one day there are tons of jobs to apply for while the next all of the jobs have ceased and people are left wondering what they can do and where they can turn.
Some people are absolutely baffled why the house prices would begin to rise in the first place. Keeping the prices low was actually allowing people that would have not been able to afford a house otherwise a chance to do so. Others state that maybe the rise is showing that the economy is finally getting better.
However, there are many economists that believe that the prices going up again was a horrible thing to come so quick. Over the past three years the real estate market had to basically start from scratch. They fear that with the prices raising that the market once again will suffer.
The fact that a lot of people still remain unemployed is actually a big contributing factor to the house prices rising again. As properties begin to rise, unless you have signed an agreement with your bank that your mortgage will remain the same price regardless, many fear that they will be forced to have to face foreclosure.
The prices falling were giving many individuals the opportunity to begin to rebuild their lives. Many account the rising prices are taking a turn for the worse. However between the months of April and May realtors actually saw a generally great increase in the number of homes sold up to 0. 9 percent actually.
The only thing that everyone is left to do is sit in patience and see if the house prices rising are a good or bad thing. Maybe the house prices rising will turn out to be a great thing after all; everyone needs to remain as optimistic about the entire situation as they possibly can.
One can account that the house prices rising are going to throw a few hard balls at the real estate market yet again. It seems as if people were finally getting used to house prices being as low as they were and now we are back where we all started from.
Time is the last factor to have to analyze the house prices dilemma. Everything will come out in its own due time and eventually everyone will know if the rising prices are a good thing or a bad.

Breathtaking Areas In Kauai Real Estate You Don't Want To Miss by Ellen Gentry

If you are considering purchasing Kauai real estate, there are some lush, beautiful areas that you just cannot miss when you are searching for your dream property. From beautiful beaches to lush forests, Kauai offers something for everyone. Check out these six areas on Kauai before you decide on any one spot:
The Alakai Wilderness Preserve: For anyone that loves a great hike, this is the area to do it. It's also known as the Alaka'i swamp because of the bogs that are native to this area of Hawaii. And, since the preserve is located on the plateau that sits on Mount Wai'ale'ale, you will find that it really lives up to being one of the wettest places on Earth. Almost constantly covered in a misty cloud, it's very mysterious and romantic at the same time.
Hanalei Bay: Those that are looking for tropical Kauai real estate need look no further than Hanalei Bay. This is the biggest bay that lies on the island and is located on the North Shore. With over two beautiful miles of soft, sandy beaches for you to enjoy, you will love the green mountain backdrop that surrounds the area. And, with the beautiful town of Hanalei right in the middle of the area, you'll find some of the most gorgeous real estate in the world.
Ke'e Beach: Voted by the islanders as one of the most beautiful beaches on the island, it's also a great place to enjoy with the family. While you can only reach it by foot path, it is known for having no currents, no waves, and extremely shallow water - which make it the perfect family spot. But, be careful, those that venture further out into the reefs can get caught in the currents on the outskirts of the bay. Want to find some beautiful Kauai real estate close by? There are miles of wonderful areas that you can call your own.
Limahuli Garden and Preserve: For any outdoors person who loves hiking and some breathtaking natural views, this preserve is where you want to be. You'll find that it lives up to the awards that it has won - such as the best natural botanical garden in the US - and you won't want to miss anything here when you hike. There are residential areas nearby that have homes and vacant land you can purchase from which to enjoy the views and wonders of Limahuli Gardens.
Wailua River State Park: For anyone into kayaking or canoeing, who loves hiking and massive, 150-foot waterfalls, this is the park for you. Wailua River is Hawaii's only navigable rive and home to Opaeka'a Falls, which can be seen for miles. There are several residential areas close by from which to enjoy all this state park offers throughout the year.
Waimea Canyon State Park: No matter if you love the Grand Canyon or not, you will love Waimea Canyon. Made by a massive volcano, the canyon was formed from runoff water over millions of years. The best part is that the canyon is beautifully green year round, so you can always enjoy the breathtaking views, no matter which area of the canyon you are on.
For anyone wanting to enjoy the true Hawaiian beauty that Kauai offers - these are six great places to start. Of course, there are some other areas around the island you'll want to check out also, to make sure you find the perfect place to call home on Kauai.

Real Estate Investing: Make Smart Investments by Chris B. Jenkins

With the recent decline in prices in the real estate market, homes seem to be more affordable than before. However, sellers are becoming more and more realistic when it comes down to the value of their properties. Yet, what they fail to realize is that as more and more affordable properties are becoming available for purchase, buyers are also becoming smarter about their real estate investments. Buyers, as much as sellers, are hoping to profit from the purchase of their property too.
While the past few years have been a struggle for investors given how difficult it was to find good deals on the market, deals where they can profit from after the property is sold. The real roadblock in real estate sales for these investors is probably a result of their unrealistic estimation of their property's value. Seriously, homes are just too way overpriced for what they are really worth. Here's the truth. Property prices are dropping across the board, more in some areas than others of course. Thus, prices are being marked down on a daily basis. Great news for buyers! But what does this mean to investors who purchase and flip homes when it is time to sell the newly renovated property?
Sellers have to price properties at a reasonable, yet still at a profitable price, in order to draw potential buyers in to seal the deal quickly. This is THE key question that each seller has to ponder when it comes to selling one of their properties.
With the federal $8k grant, first-time buyers are key targets for any seller. There is a niche there. The biggest issue, however, is to get buyers to want to buy your property. To help you seal the deal on your home, consider the following questions. When you a cheap property, you are looking to secure profit after it is sold, right? Well, have you considered that buyers are rationalizing their purchase of your home the same way? They are not looking to purchase a home where the value will decline below their monthly mortgage. Lenders wouldn't want that either.
Thus, the challenge for you really isn't about finding a buyer. The challenge is for you to sell your properties a price that matches the objectives of the average homebuyer. With prices as low as it is on the market today, you can make a profit (big or small) simply by making sure that you purchase your deals that the very lowest price possible!

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Every Business Professional Should Write an Ebook by Julie Coan

Many people write ebooks so that they can make money on the internet. However, there is a group of business professionals who could greatly increase their business and their income by writing an ebook. I'm talking about lawyers, tax accountants, real estate agents, hair dressers, personal trainers, masseuses, and landscapers, to name a few. These professionals obviously can't operate their businesses solely on line. They need to have an office or a physical location for their business. They need people that will walk into their office (or at least call them on the phone) and pay for their services.
Here are six reasons why these business professionals should write an ebook:
1. Writing an ebook can prove that you're an expert in the field. It really is amazing to see the power that a book gives to its author. People see authors as experts even if the book is an ebook. Just by working in your chosen field, you certainly know more than the people that are coming to you for help. In effect, you are an expert. Unfortunately, all lawyers in the phone book look alike to a potential client. If you publish an ebook, people will view you as more of an expert than the other lawyer or real estate agent or hair dresser who works right next to you. They may be equally as expert as you, but people will not see it that way. In marketing, perception is everything. When you write an ebook, people will be more likely to hire you, more likely to keep coming back to you, and more likely to refer you to their friends.
2. Writing an ebook will attract new clients. In business, you're always in competition with other professionals in your field. If you're a real estate agent, there may be hundreds or even thousands of other agents in your town all trying to attract the same clients. If you've written an ebook about a real estate topic, you'll stand out from the rest. If a client is trying to choose between the agent who's written a book and one who hasn't, they'll choose the one that's written the book every time.
3. Writing an ebook can help you build a client list. As you give away your ebook online, you collect names and email addresses of potential clients. Once they have signed up for your mailing list, you can continue to contact them. You can send them tips relating to your business. When they need your services, you'll be the first one they think of. It is one of the least expensive and most effective ways of building and maintaining a client list.
4. Writing an ebook can help you make money. You can sell the ebook to make money from it. Although this may not be the primary reason for writing the ebook, there's no reason not to charge for it. The downside of giving something away for free is that sometimes a person may equate cost with value. They may decide that your book is not worth anything because it didn't cost anything. Charging a minimal amount for the book may increase its value.
5. Writing an ebook can increase sales. You can offer the ebook as a free incentive when people buy your product or subscribe to your service. If I was a masseuse, I could give away my free ebook on "Daily Relaxation Techniques" if the client signs up for six weeks of weekly massages.
6. Writing an ebook can help you get promoted. Just think about the next time that a position opens in your company. There's probably going to be some competition for that position. Then the boss sees that you've written a book about a topic in your field. First, he's impressed that you've written a book. Second, he sees that you have taken the initiative to do some extra research in a particular area. Third, he sees that you are independent and don't need constant supervision to get a job done. Guess who's going to get the job? You, of course.

Miami Real Estate: Buying Tips by Allison Ayson

Miami has been known for its famous beach shore, and a lot of tourist visits the place every year. With a lot of people who visit the place, there are many business or jobs opportunities in Miami. This is the reason why many people are looking forward to live in Miami.
With the great ambience of the beach shore, Miami is also known as the famous city of the United States due to a lot of tourist who visits the place. Along with it fame, Miami real estate is also known as one of the best real estate property that many people are dreaming to have in the furniture.
Upcoming retirees are looking forward to have a home in Miami real estate, but of course before jumping in to deciding whether you will buy a property in Miami real estate or not. Many investors have bought a Miami real estate homes as an investment. The value of a Miami real estate is kept on increasing especially during the summer. Miami is one of the best places to stay in during the summer.
Knowing the fact that it is near the beach shore, there are lots of facilities available to give you comfort of living in Miami. And if you are buying a property in Miami, you need to be extra careful in dealing with anyone who claims to be the owner or real estate agent of Miami.
Make sure that you understand the terms of the real estate before deciding to buy a property. Try to compare available units and see if the home is still in good condition and check if all home facilities are in working. Do not focus on just one home, take a walk around the area and look for more options so you can see all possible homes for sale.
Always stick on your budget allocated in buying a home in Miami. Do not afraid to bid until you have convinced buyer or you may also ask discount. If you think you can not afford a specific home, do not waste your time looking through in it and better look for more homes for sale.
As much as possible evaluate each homes for sale that is possible to be a good buy. You can walk around the home and evaluate it yourself. Look for those Miami real estate home that is ready to move in and clean enough to stay in.
Allison AysonMiami Real Estate

Mortgage Rates Stay Down by dane

There were some expectations that mortgage rates would fall this week. Instead rates not only did not rise but fell slightly this week. The 30 year rate fell from 5.08 to 5.07 hitting a new low for the summer. The 15 year rate fell from 4.54 to 4.50. The 5 year arm fell from 4.59 to 4.51 while the 1 year arm rose slightly from 4.62 to 4.64.
The continuing fall of the 30 year rate is good news for the national real estate market which is in the midst of a lukewarm recovery. The 5 year arm is seeing more activity now that it is significantly lower than the 30 year arm. Personally I still would heavily favor the 30 year arm with the possibility of seeing double digit interest rates in 5 years because of heavy government spending. The 1 year arm since moving above the 5 year arm has moved into no mans land with there being virtually no reason to get a 1 year arm at this point in time. Below are rates for the last few weeks.
Sep 10, 2009 30-yr 5.07 15-yr 4.50 5-yr ARM 4.51 1-yr ARM 4.64
Sep 03, 2009 30-yr 5.08 15-yr 4.54 5-yr ARM 4.59 1-yr ARM 4.62
Aug 27, 2009 30-yr 5.14 15-yr 4.58 5-yr ARM 4.67 1-yr ARM 4.69
Aug 20, 2009 30-yr 5.12 15-yr 4.56 5-yr ARM 4.57 1-yr ARM 4.69
Aug 13, 2009 30-yr 5.29 15-yr 4.68 5-yr ARM 4.75 1-yr ARM 4.72
Feb 05, 2009 30-yr 5.25 15-yr 4.92 5-yr ARM 5.26 1-yr ARM 4.92
In addition to rates we like to look at actual mortgage payments to gain some more perspective on mortgage rate changes. Based on current mortgage rates we determined the mortgage payment for a 200k loan. We did the same thing with rates from 2 weeks ago and rates from 6 months ago.
Sep 10 30-yr $1082.21 15-yr $1529.98 5-yr ARM $1014.55 1-yr ARM $1030.07
Aug 27 30-yr $1090.82 15-yr $1538.17 5-yr ARM $1033.67 1-yr ARM $1036.07
Jan 29 30-yr $1085.89 15-yr $1560.82 5-yr ARM $1106.88 1-yr ARM $1061.45
Compared to 6 months ago the mortgage payment on a 200k loan is pretty much identical. The payment is $3.68 less a month or a third of one percent.
The real question of course is where mortgage rates are going. There are a few schools of thought. The first is that mortgage rates are going to skyrocket along with inflation caused by the massive government spending over the last few years. There is another school of that that mortgage rates should rise but only slightly and that massive inflation will be curbed by the Federal Reserve.
Either way no one is advocating that mortgage rates are going to fall much further. Therefore my advice would be to look at 30 year rates and to avoid 5 and 1 year arms like the plague. If the first school of thought is correct and mortgage rates rise they will probably not move dramatically until the economy recovers.

How to Create a Business Card Design for Your Real Estate Firm by Kat Nocom

Business card printing is an essential method of producing promotional prints for your real estate business. As a real estate broker, you need to come up with unique and compelling business cards to attract your audience. Use the cards to create a professional visual identity because you act as an intermediary between real estate buyers and sellers. These are the following tips for you to be able to design your business cards. Business Card Design Tips for Real Estate Brokers
1. Company Logo: Putting your real estate firm's name and icon on your business cards is an essential part of effective branding strategy. The cards that contain your company name and icon help you present a professional image to your audience. Incorporate your logo on your other promotional prints like brochures, postcards, and pocket folders for efficient brand recognition.

2. Use of Colors: Use a solid color or texture for a more professional look. A harmonious color combination can set a positive mood for your business cards. Choose a background color that complements your logo and other images included on your prints.

3. Photos and Images: Incorporate high resolution photos with 300 dpi. It's important to create compelling business cards with high-quality photos because the prints reflect your real estate firm's image. Manage and manipulate images using photo editing software like Adobe Photoshop, Adobe Illustrator, and Corel Draw.

4. Design Templates: Choose among the business card design patterns offered online. Use printing template to avoid trim lines. Trim lines can be seen on a business card sample proof. When you ask for a digital proof online, notice the dotted line and red line on the print. Cutters will trim on the red line to keep the important text and images within the dotted line or "safe zone."

Follow these tips to create an attractive design for your real estate firm's business cards. Seek help from a reliable printer to print high-quality prints for your business venture.

Summerlin: Just Outside Las Vegas by Richard Hewitt

The gigantic master-planned community of Summerlin in Nevada's Las Vegas Valley is so popular and breathtaking. Homes in Summerlin are among the most desired by first-time buyers in the Las Vegas area.
Summerlin is the Las Vegas area's largest master-planned community of 22,500 acres located on the western rim of the Las Vegas Valley which means almost any service you need is just a few minutes away. The master plan formulated by the builders of Summerlin includes homes for people of nearly every age and income. This community was the brainchild of the Howard Hughes Corporation.
And better yet, Summerlin still has enough land to keep building new homes for the next 15 years!
Summerlin real estate is here to stay. It is one of the best selling communities in the nation. Also, it has been designed as a multi-generational and fully integrated community where residents can live, work and play. The developer, the Howard Hughes Corporation, has integrated parks, residential communities, houses of worship, cultural and recreational facilities along with commercial/business parks. Summerlin offers many opportunities to purchase newly constructed houses as well as re-sales.
This colossal master-planned community of Summerlin in Nevada's Las Vegas Valley is so popular that there is little new home inventory to choose from, pressuring both new and existing home prices skyward. It continues to be in high demand and has low supply. Meaning, the price is climbing its way to the top since the demand is higher than the supply. The overall demand for new homes in Summerlin is very strong. Almost eight hundred people in one week are inquiring about buying homes in this community.
Most people believe that the price is well worth, it is because of all of the services and amenities only a well developed community can provide. Best of all, there are trails and paseos that wind through Summerlin making it a perfectocommunity for those who like to get out and meet their neighbors.
The place is a hidden gem of a community offering a cozy, beautiful atmosphere, with an unbeatable location. Ideally situated just off Summerlin, 1/4 mile south of Colonial Boulevard, allows easy access to Royal Palm Square, the Mid-Pointe Bridge, Edisom Mall, downtown, I-75 and Gulf beaches.
Summerlin's spectacular custom features include;
* Spectacular fountain * Pet friendly * Fitness center/Playground * Washer/dryer connections avail * Four laundry facilities * Screened lanais with storage * Ceramic floors * Controlled-access entry * Tennis court/handball court * Two sparkling pools/spa * Lovely lake with boardwalks * Picnic/gazebo areas * Microwaves available * Continuous clean ovens * Frost-free fridge with icemakers * Intrusion alarms in select homes * Apartments have air conditioning * Cable ready * Balcony * Gated access * Swimming pool * Whirlpool/Spa
Businesses and retail establishments are not very far when your home is in Summerlin. Within Summerlin, there are a number of smaller neighborhoods, each with a community hub or center, complete with shopping and other forms of recreation. You won't see cookie-cutter communities since each community in Summerlin has an atmosphere all its own with architecture inspired by cities and towns throughout the world.
The fantastic community of Summerlin is a great place to raise a family. Studies show that schools in planned communities attract better teachers, resulting in a better educational experience for students. Unlike in other communities, the developers of Summerlin have planned ahead, building schools as the city grows, preventing the all-too-common problem of overcrowding.
The Las Vegas and Henderson housing market in Nevada, has seen many changes in recent years. The entire nation has seen an upward trend in real estate values across the board. And nowhere was it prevalent than in Las Vegas. With real estate values much higher than recent year, the market has done a complete 180-degree turn.
In today's Las Vegas and Henderson real estate market, the buyers have the upper hand. Values are still moving upward, but not at the dizzying pace of last year. Now is the time to buy! Condos are surging forward in value to close the gap between single family and condos.

Branding Your Company: How To Choose The Right Business Name by Wharton Business Foundation

It's surprising that a lot of business owners have never had proper branding done for their businesses. Starting with their company name. Many simply name their companies after themselves (ex. John's Accounting Service, THM Enterprises, etc.) or just a name that they pull out of the air. What's in a name? A rose by any other name would smell just as sweet. Right?...Wrong! Not if we called it a stinkweed!
Your company name is everything. It's a crucial part of your marketing and your brand. At the mere mention of your business's name, clients and prospective clients should experience an emotional reaction. Your business name serves as an emotional anchor for your brand. So it should not be taken lightly. It's ideal if your company name tells people what you do. Unlike the home improvement company that we came across named XRM Technologies. They actually install gutters, windows and vinyl siding believe it or not.
So how do you come up with the right name for your company? For our clients, we use an exercise that we call the 'name game'. Here's how you "play it". On a piece of paper, draw a line down the middle of the page, dividing the page into two columns. On the left side of the page, write down all of the problems or "pain points" that your prospect feels. I mean everything (ex. They have bad credit, can't get credit cards, can't get loans, have to pay higher interest rates, can't get a mortgage or car loan, have to pay cash for everything, are embarrassed by their bad credit, etc.). Be very thorough and leave nothing out.
Next, on the right side of the page, write all of the solutions to the problems and "pain points". For example: problem - they have bad credit; solution- raise their credit score to a good score; problem - they are embarrassed by their bad credit; solution - instill in them a sense of pride from having an improved credit score. After you finish listing all of the solutions to the problems, look at all of your solution words and phrases and then piece them together to come up different names for your business.
So, a real estate management company could be 'Worry Free Property Management". A florist could be 'Last Minute Florists'. A dentist could be 'Your Beautiful Smile Dental'. An insurance agency could be 'Peace Of Mind Financial Services'. A fitness center could be "New You Fitness'. A green janitorial company could be 'Clean, Quick & Green Janitorial'. A home improvement company could be '24 Hour Windows & Doors'. You get the idea. From your list, choose 6 - 10 of your best choices. Write them down on a piece of paper in column formation.
Lastly, you want to do some surveys. Go to the local mall, bookstore or whatever place your industry prospects gather (the business district at lunchtime, supermarkets, seminars, hardware stores, hospitals, etc.) and get their input on your name selections. Perform at least 10 - 20 surveys. Tell them what you want your prospective customers to feel and think when they hear your company name (ex. trust your company, be relaxed, be excited, laugh, want to make money, become hungry, want to eat healthily, etc.). Ask them to listen to your choices and rank them each from 1 to 10 (1 being the worst and 10 being the best). Lastly, ask them if they didn't like your name selections, are there any names that they'd recommend. This is powerful because your actual market tells you the name that appeals to them the most.
The outcome of the 'name game' is a business name that appeals directly to your market. You effectively eliminate the possibility of having a non-compelling name that simply sounds catchy or flashy. Instead, you get a name that when your prospective and existing clients speak it, it instantly solves their problems.

Buying And Selling Jackson Hole Real Estate by Wayne Hemrick

Every family, at one point or another, often goes through the process of buying a family home and eventually selling it. Because it is typically an occurrence that does not happen often for a family, it is wise to seek the counsel of professional jackson hole realtors when you are about to embark on either the buying or selling process.
Buying Jackson Hole Real Estate
The primary job of Jackson Hole realtors when it comes to buying Jackson Hole real estate is to facilitate the purchase of the property for you. There are several areas where the expertise of your Realtor will be of definite benefit to you. The first is finding Jackson Hole homes for sale. If you are doing your purchase from out of state, you could spend a lot of money on hotels and car rentals trying to find the perfect home. It is much easier in this instance to describe what you are looking for in Jackson Hole homes for sale to your Realtor, who will then conduct a search to find properties matching your criteria. You can then come in and take a look at several appropriate properties, and then decide on the one you like the best.
Your Realtor will also help you with your offer to purchase the Jackson Hole real estate, and will next conduct the negotiations with the seller to come to an agreement on your behalf. When the seller accepts your offer, your Realtor will continue to work on your behalf through escrow and on to the closing.
Selling Jackson Hole Real Estate
People end up moving into new homes quite a lot in America, and Jackson Hole is no exception. When it is time for you to sell Jackson Hole, WY homes, your realtor will make the entire process run smoothly for you.
Realtors will perform a comparative market analysis in order to determine what the asking price of your Jackson Hole homes for sale should be. The realtor will then market the property. This will likely consist of a multi-faceted approach that could include flyers and yard signs, a listing on the Realtor's business website, listing it with the Multiple Listing Service, holding open houses and others.
As with buying Jackson Hole, WY homes, your Realtor will also negotiate with buyers to achieve the best deal for you. Once an offer for your jackson hole homes for sale has been accepted, your Realtor will facilitate the sale by preparing all the many documents needed to sell the property. Your Jackson Hole real estate agent will also work with the bank and title company to bring everything together at the right time. Your Realtor also understands the local real estate laws, and can make sure that you are in compliance at every step of either buying or selling jackson hole wy homes.

Investing in Marin Real Estate: Is it Right for You? by Kaila West

If you're interested in buy a home, there is always good and bad in every market scenario, and now is no exception to this generalization. Marin real estate, like so many other markets around the country, has seen better days. That may be good news or bad depending upon your position and point of view. The opportunities there may have seen worse days as well.
The most important aspect to consider when looking into a new investment is having a complete understanding of current market conditions. Equally relevant is having knowledge as to how those conditions will affect you, specifically. What is good for you may be perfect for the next guy and a calamity for the fellow who came before.
You must know your situation: having a firm grip on your finances, future earnings potential, and the leverage/risk ratios you are most comfortable undertaking. If you are actively considering a new home in the Marin real estate market, you most likely have an exceptional portfolio, and understand your positions well. Seeking the right investment, whether it will be your primary homestead or an outright investment opportunity can be challenging. Even looking at Marin County foreclosures may be a great opportunity. None of us, however, can be proficient in everything we undertake.
This holds true for purchasing real estate. When you come to the point you know you are ready to take the next step, make sure you have the right professionals behind you. Marin real estate is a complex marketplace and surrounding yourself with knowledgeable individuals is key to your success.
Be sure you find the perfect professional that fits your personality and style of investing. If you have made other large purchases, you know that being able to trust and count on your broker is imperative. When the right deal comes your way, being able to take advantage of it in a timely fashion can mean the difference between having your bid accepted, and getting beaten out by a competitor. The right professional relationship will go a long way towards ensuring you success in the investment arena.
Other important aspects of having the best team around you will show up in the searching process. Does your choice of agents allow you to see everything that may be right for you? You should feel comfortable with their advice. If you don't, it's time to move on.
The classic saying regarding real estate success is "location, location, location." Another well known contractual clause is "time is of the essence". Timing, in today's market is quickly overtaking the concept of location as the most important aspect involving real estate purchases. While there are a number of unsavory market conditions in effect today, there are also positive ones that you can take advantage of as well.
In order to be able to move fast, you need to be prepared. Having earnest money set aside, ready for the contract submissions is imperative. Even having standard proposals ready for the particulars of a property will save you valuable time. Getting your bid in first creates a psychological advantage in your favor in the minds of the sellers. You'll want any and every benefit you can create for yourself once you know this property is the one for you.
Be sure you do your homework. Buying Marin real estate is competitive and rewarding. Surround yourself with the best team, be prepared, and find the winning property for your investment.

Starting Miami Real Estate Investing by Allison Ayson

Investing at Miami real estate is very easy to learn, though there are important areas that are needed to understand before trying to initiate investing. Though there are lots of books, seminars and training being offered to fully understand real estate investing, there are only few of them provide the best knowledge in investing in Miami. In attaining success in investing, you need to undergo different trials and obstacles to experience different situation in investing a real estate. Thus, it requires a lot of perseverance and you must be determined enough if you are really willing and interested with starting up a Miami real estate investing.
Investing in a real estate is not an instant success that anyone can attain in just one day or weeks, month or years. It usually takes a lot of years but of course this will depend on how much aggressive you are in taking some risk. You must learn different strategies on how to maximize your profit and willing to take some risks. In investing you need to expect that it actually takes some time to gain a profit and you need to undergo a lot of transactions that usually do not work. But to those transaction that you have successfully deal with will surely worth the hard work you apply. And as long as you see yourself enjoying taking some risks then you are on the way to your success in due time.
There are situation that Miami real estate properties drop on their values which is a direct hit on your face. But of course you need to stand firm and avoid big damages to happen. It is very normal that there are really times that investing is really going down, but as soon as the market turns around, that will be the time to take advantage of it and be aggressive in investing in different properties to earn more, but of course there is a risk that it will not work the way you want it to work. You must be open in buying foreclosed property and bank own properties. Miami real estate investing is just like a wheel, sometimes you are up and sometimes you're down.
One of the challenging things that you can encounter in investing is looking for financial support. You have to use leverage in the business so you can have a hand in arranging financial activities. Also, don't buy a property with no down payment. This may cause properties to be in the list foreclosure properties.
When you are really in to Miami real estate investing, you may need to start purchasing foreclosure property because most of the time you can ask discounts on these properties and sell it in a higher price. But of course you need to be careful in choosing a foreclosed property to buy.
Allison AysonMiami Real Estate

Adjustable Mortgage Tricks-How Borrowers Got Taken With The ARM Loan by Corey Williams

If you had bad credit or no money down you could still buy a home or refinance your mortgage up until just a few years ago. A popular loan that many companies gave to borrowers during this boom in real estate was the ARM mortgage, most were secured through the use of a sub prime lender. While it is a fact that ARM loans did help consumers buy and refinance homes they were also a tool used by dishonest lender to make maximum profit. The adjustable rate mortgage was used when some one with less then desirable credit called or stopped in to apply for a mortgage. These borrowers were almost always steered into a sub prime ARM home loan even if they could have qualified for an FHA loan. Why Were Mortgage Brokers Doing This? The major reason is for repeat business, the adjustable home loan only has a fixed rate for 2-3 years and most k lenders knew that they could talk the borrowers into refinancing much sooner then that. Many times they were refinanced back into an ARM loan once again!! It was really a simple way for dishonest lenders to maximize commissions from unsuspecting borrowers who thought they were being helped. Then It All Went Bad? A vast majority of the home owners that were being taken advantage of had poor credit scores and were required to use a sub prime lender or face a rising interest rate and bigger payment. This was working just fine for all partied involved until the housing market and real estate boom crashed and all the bad credit mortgage lenders went out of business! With no equity left in many of their homes and traditional banks not wanting to loan to them these people had nobody to help them. This is when the record number of foreclosures started to happen! What Can I Do If I Cannot Refinance? About the only option you have left at this point is to ask the company currently holding your loan to help you out. The help will normally come in one of two forms and is normally called a loan modification.A loan modification is where your loan holder changes the terms of your existing ARM mortgage and either switches it over to a fixed rate or gives you an extension on your fixed rate period.

Capturing the Attention of the Masses on Your Real Estate Blog by Tony Kawaguchi

If you're like a lot of real estate agents, you have a blog that serves to showcase your listings, maybe market stats and very little else. However, there is a way you can make your real estate blog a destination for more than just people who want to buy right now. By blogging about information that appeals to a wide variety of people, you will increase your exposure, establish your authority and connect with people who might possibly be your next real estate clients.
People love stories of success and failure, but they especially love the stories that give them the idea that this could be their success or that they could avoid that failure by taking advantage of the handy tips that you are, of course, going to give them. People love humor - the agent who can be simultaneously self-deprecating while maintaining authority on their subject is going to have a winning blog post. Blogging about your mistakes and what you learned from them can be a good way to both establish that you realize you're human and that you've won your real estate experience through real events.
Right now, people are voracious for information about how they can get ahead. This is the time to post information about foreclosure homes and the risks and rewards. Blogging about common scams that are targeting homeowners and home buyers is also blogging gold. Right now, frugal living is a popular theme - showing people how they can own their own home and save money by gardening, renting out rooms, using the freedom of owning their own property to engage in small business is another great angle.
Your community/communities are another huge source of blogging fodder. Community events are great focuses for blog posts. Be positive about your position and your community. You are not just selling homes; you're selling a lifestyle in a community - get out there and tell people why it's such an awesome place to live and what's exciting about the real estate there and they will start thinking that you're a pretty awesome choice for their real estate transaction.
Of course, you have to establish your readership. Start getting out there in your community forums and answering questions, offering friendly advice that is not linked to marketing yourself, mention a post in your blog that might help someone out... the point is to be approachable, but not appear like you're trying to sell yourself and your business. Your blog will sell your business for you if you get enough of a following to make people take notice of what you say and regard you as an authority.

How To Use Gambits To Negotiate Yourself A Better Deal by Bob Malloney

When negotiating, we can use Gambits as manoeuvres for advantage to get us as close as possible to our ideal position, whilst still leaving the other party feeling as if they've got a reasonable deal too. So use these techniques to your advantage and, perhaps as importantly, recognise when someone is using these techniques on you. So let's have a look at the gambits people use.
Nibble
The nibble is one of the most used of all of the gambits. You may have seen this used when you go to buy a new car. You've done the deal, so you think, and the salesperson starts asking you about warranties, servicing deals, mats to go into your car. For just a little extra money you can have this, you can have that. The deal you have already struck is being slowly nibbled away and gradually what you are buying and the price you are paying is changing.
You are at your most vulnerable during a negotiation when you are close to, or at, the agreement stage. This is because you are likely to be feeling good. You are close to agreement after a long, hard, slog; you're close to getting what you wanted. So it's easier for the other party to creep up on you unawares and include things that really should have been covered earlier. When this happens, don't be afraid to say something like "I'm surprised these items are extra - I assumed they were included - perhaps we need to look at the whole deal again".
Hot potato
This is where the buyer will try and put a problem with the negotiation onto the seller and this normally happens at the start of a negotiation. For example, when buying a house, a purchaser may specify to the Estate Agent the sort of house they want and in what location, but put a top limit on it of $200,000. They have just passed a hot potato to the Estate Agent. They're saying you can find a house for me but I want it to be a bargain; I'm trying to improve my negotiating position before we've even started. The smart Estate Agent will spot he has been passed a vegetable and test just how hot this particular one is by saying something like, '...and if I found what you were looking for at $225,000, are you saying that you wouldn't be interested?' As the buyer, do your homework first; know the value of what you want to purchase. As the seller, the important thing is to spot the potato.
Higher authority
You might use this gambit when you are close to agreement and something like price is the problem. You might try something like, 'I hoped we could agree at $5,000 because, if the price goes above that, I'll have to get approval from my finance committee.' The aim, of course, is to force agreement to avoid further delays.
You can use a touch of amateur psychology here. You can make it seem as though you are on their side saying something like, 'I'll do my best to get the agreement of my finance committee, but...'
People are sometimes quite reticent about using this ploy as it implies that they do not have the authority to complete the deal and no one likes to pretend that they have less authority than they really do. Swallow your pride and save some money!
This is a great one to use personally. Our spouses use it all of the time when sales people come to the door or telephone. 'Oh, I couldn't make a decision on that without asking my partner first', is a great ploy to get unwanted sales people off your back.
Funny money
With this gambit you endeavour to make your price sound more attractive than it is. It's like lying with statistics. You attempt to disguise the real situation. So what you would do, for example, is to tell a customer that you were going to have a general price increase from $100 per hour to $120 per hour but because they were such a valuable customer and did this or that or the other, you were only going to increase their price to $110 per hour. The bad news is that there has been a price increase; the good news is that they got a $10 per hour discount.
So play around with your figures. Put them forward in a way that sounds most attractive to your customer. Link it to the benefits that they are going to get. And, of course, look out for people trying the funny money gambit on you. Remember it's the total cost that counts; what cash is going to leave your business, not any complicated per head calculation.
Use these Gambits whenever you can, you'll be surprised at just how effective they can be in helping you to get a better deal. Recognise when somone uses these Gambits on you, see them for what they are and preserve your position.

Small Business Internet Marketing Local Businesses Advertising Online by Paul Holcroft

Small Business Internet Marketing Local Business Advertising Online How to start small business internet marketing and local business advertising online is a question that many small and medium sized businesses are pondering as more and more consumers disregard Yellow Pages books and other forms of traditional print media and move online to discover what they are looking for.
The Internet is dramatically changing the way we do business and all the major companies are dominating online advertising leaving small and medium sized businesses in dire need of an Internet advertising solution for connecting and interacting with local consumers who are moving online in record numbers.
Many businesses who have formed an online presence for themselves are quickly realizing that a pretty looking website does not equate to being found amongst the millions of websites online. Add to that the cost of dealing with designers and developers, and many businesses have no chance of competing in today's Internet savvy communities.
One effective way is to make use of some of the many article and press release directories accessible online to announce your arrival into the online community. Providing concise informative information is the key here.
It is not about flogging off your business products but about providing solutions to consumer problems. Think about what solution your product or service can provide and write an article about that, not about your product or service, but what solution it can provide. Save the product details for the author's resources box.
An additional way small and medium businesses are trying to compete is through pay-per-click (PPC) programs like Google Adwords. Unfortunately nearly all of the important target keywords and search terms have been become highly competitive and are usually cornered by key companies with huge advertising budgets. And, to add fuel to the fire, there are at this time real concerns about click fraud.
Is Click Fraud and PPC Advertising a Issue? According to Click Forensics, the overall industry average click fraud rate was 17.1% in the 4th quarter of 2008, up from 16.0% in the 3rd quarter of 2008.
The problem, which is not new, is companies get paid based on how many times users click on online ads. Fraudsters develop computer programs that simulate user clicks to drive up traffic, and artificially inflating revenue. -Source: Peak Solutions/SEO Since 1999
What this means is if you and I are real estate agents and I discover you are advertising on a pay-per-click search engine, I will get up at 6am and start clicking on your ad until I use up your daily budget to stop the ad from appearing on the search engine for the remainder of the day to increase the promotion of my classified ad on the same search engine.
What About Organic Search Optimisation? The most valuable form of search engine marketing is organic search engine optimisation or SEO as it is more commonly recognized. Internet keyword search studies confirm that keyword searchers have a preference for organic search listings 6 to 1 to the pay-per-click sponsored ads found at the top of the pages above or to the side the organic searches. But SEO is another story entirely and too long to cover here.
What About Geo-Targeted Advertising? However, new small business Internet marketing technologies and strategies are opening the way for small and medium sized businesses to succeed in their business advertising online and compete in this lucrative online marketplace. One of these strategies' is geo-targeted advertising which is driving online shoppers back into local stores and into using local business services.
It works by identifying the online shopper, gamer or surfer's IP address and pushing out advertisements for local businesses onto those websites. These ads can be seen popping up all over the place from major search engine pages and gaming sites to the increasingly popular social networking sites like YouTube, Facebook, MySpace and Boomj.Com and other high traffic sites like eBay and i-Supply.
So it’s not surprising that local has become one of the hottest terms in advertising. Attracted by the huge growth opportunities, all and sundry, including the world’s major technology, search and media companies, is gravitating to local business advertising.
Smart business operators are laser-targeting their advertising campaigns by selecting zip/postcodes suited to their business needs. This means their ads only show up on websites when and anywhere likely customers from their designated areas are online.
When the consumer clicks on an ad they are directed to, in many cases, a mini-website complete with text links, images, videos, discount coupons, and even interactive driving directions. Never previously have small and medium sized business owners had such real time control of their online branding features combined with a powerful local advertising presence.
To top this off, many sites are providing these small business internet marketing ads with no hosting, design or set-up fees and, no contracts conditions. Is this the online solution small and medium sized businesses have been looking for to accelerate their business advertising online?

Tips to winning with Real Estate Owned Houses by Don Miller with Web Coach

Most buyers go through an agent or mls listings to buy houses, but YOU can go for the smart route and go directly to the Real Estate Owned properties. The REO is a failed foreclosure auction sale which goes back to the ownership of the lender. Most of the time the REO will be looking for a quick sale which can be a savings of 20%-30% off the original value! Remember all the back taxes and liens are removed from the sale. The interest rates, loan amts, rehab costs are all negotiable.
The lender will evict the tenant or owner and usually will not make any repairs. The reason I mention this is buyer beware! Please be careful to do your due-diligence and higher an inspector to make sure there aren't any major hidden repairs needed with the house. It's always a good idea to find out the comps so you will have a good idea what the market value would be within that certain area. When it's time to make the official offer to the lender, make it contingent upon any repairs needed that may affect the value of the house.
Statistics show that when it comes time to buy a home that is foreclosed on, REO purchases are the most popular because of the following reasons: · No risk to the buyer · No tenants to evict · Bank is motivated to sell quickly · Low down payment
Remember most banks are publicly held companies with share-holders driving the decisions. High profitability and low expenses are what motivates these banks to keep the share-holders happy. The more homes on the bank's balance sheet, higher the liabilities, and the more motivation the bank has to unload the foreclosed home at a very high discount price. A couple more tips: Don't hesitate to ask the lender if they have financing available for the specific property- they may make extra concessions! Good Buying,
Don Miller http:/www.foreclosuremoneycoach.com

Personal financing needs could occur if home improvements by sachin

Personal financing needs could occur if home improvements need to be made due to an accident. A handicapped access ramp would make things simpler for everyone and especially for the person who is in the wheelchair. For personal financing needs, a person could ask a local bank to help with funds to build the ramp, and in a few days, the home will be equipped with a ramp and a deck that can be used by the entire family. When personal needs require attention, banking institutions are the people to turn to for the cash that is needed with no strings attached. An additional family member being added to the home living spaces will require personal financing needs that let homeowners finish a basement. That added space can be a haven for many people and the room addition will be a good selling point if the home is ever placed on the real estate market. Some personal financing can be arranged as a home improvement loan with a finance company and the rest of the money could come from tax refunds. Not all personal financing needs will need to be filled right away. Some financing will need to be done when student loans are processed when the oldest heads to college. Application and enrollment fees might be needed overnight and parents will often turn to fast cash loans offices for help in getting personal financing needs met. The loan balances will incur a lot of interest but with pre-planning, families can adjust the family budget for a month or so to get the loan balance paid down to nil. Some families will seek personal financing to buy gifts for Christmas. Some high-end Christmas presents might have been wanted for years. Children can save a large portion of the monies needed to buy this present and then seek a loan officer for the rest. Families rest easy knowing that money can be obtained to buy things that some might deem to be insignificant. Cash loans for any reason are available through many money lenders and smart buyers learn to shop around for the best deal on the personal financing needs that they have. Personal financing of loans for an automobile might be possible with the credit balance available on credit cards. People that have excellent credit histories are able to secure credit cards with no interest accruing for over six months. Those open loan balances are the personal financing opportunities that people grab a hold of and use wisely. Many personal loans used for purchasing automobiles are not large because monies from savings accounts are usually applied during the purchase to bring the borrowed amount even lower. Personal financing needs can be met with personal financing through signature loans, title loans or business loans. Credit customers have the opportunity to shop around on the internet for the lowest rates for short-term loans in the local area or through established financial institutions all over the world. Each lender will have a plentiful assortment of loans to offer and careful borrowers will always be interested in hearing about each one. The one that meets their personal financing needs at the lowest rates is typically the one that borrowers decide to take. Did you find this article useful? For more useful tips and hints, points to ponder and keep in mind, techniques, and insights pertaining to Internet Business, do please browse for more information at our websites. http://www.adsence-dollar-factory.com http://www.100earningtips.com

What You Need to Know About HVCC Guidelines by Crystal Guthrie

What is the Home Code of Conduct?
The HVCC was designed in order to protect property appraisers from being pressured into overvaluing the property in order to help get the mortgage or refinancing loan approved. Contrary to what some believe, the HVCC guidelines aren't a law. Rather, they are guidelines that Freddie Mac and Fannie Mae have put into place. Since they ultimately purchase about 80% of mortgages in the United States, however, these guidelines essentially govern the entire mortgage market.
Under HVCC guidelines, mortgage brokers and lenders cannot hire their own appraisers to determine the value of a property. As such, they generally must go through an appraisal management company to assign an appraiser.
Why Have HVCC Guidelines Been Put Into Place?
There are many reasons for the implementation of the HVCC guidelines, though the biggest reason is because inflated appraisals have been largely blamed for the inflated housing prices that helped create our current economic situation. Therefore, HVCC guidelines were put into place in order to help prevent the problem from occurring again. While the guidelines do seem reasonable on the surface, they have lead to a multitude of complaints from appraiser, real estate agents and mortgage brokers.
Why are People Unhappy with the HVCC Guidelines?
The primary complaint regarding the HVCC guidelines is the fact that it slows down the entire loan approval process. Of course, during a time when we are trying to jumpstart the economy, slowing down the loan approval process is certainly not something that most people want to see.
Another complaint regarding HVCC guidelines is that they result in an increase in fees that consumers have to pay for their appraisals. Whereas appraisals once cost about $200 to $300 to complete, they now cost $400 or more because mortgage brokers and lenders have to pay the appraisal management company for its services.
According to some critics of the HVCC guidelines, they also force lenders and real estate agents to work with appraisers who are not as skilled as independent appraisers. In addition, they claim that appraisal management companies are hiring appraisers from other regions, which means they are not familiar with the local markets and are giving undue weight to distressed properties and foreclosed properties when determining their appraised values. Therefore, by forcing them to work through appraisal management companies, they are actually getting more inaccurate appraisals. As a result, they say more sales are failing to close.
How Do HVCC Guidelines Affect Me?
The bottom line for you as a buyer or as someone who wants to refinance your home is that you may find yourself spending more on your appraisal than you would have before the HVCC guidelines were put into place. In addition, the process of getting your loan will likely take about a week longer than it used to. You should also be aware that, although you and the lender cannot select the specific appraiser that you want, you do have the right to insist on receiving one who is properly qualified to assess the particular property you are interested in financing. So, exercise this right in order to get the best results possible.

10 Common Traits of Real Estate Billionaires by Kelly

According to Forbes magazine's 2005 annual list of "The world's richest People"; the real estate investing billionaires have a lot of things in common. This can't be a coincidence. Let's look at some of those similarities.
For Sale by Owner
1. Go commercial. Residential properties seem to stay out of the interest in the billionaire's perspective. They usually go for office buildings, shopping centers and apartment buildings. This strategy seems very popular for the wealthiest man in American real estate, Donald Bren.
This billionaire made a lot of his money as chairman of The Irvine Company. This real estate investment company is famous for developing quality communities like the 93,000-acre Irvine Ranch in Orange County. Donald Bren is the 6th wealthiest real estate billionaire and the 122nd richest man in the world with a worth op approximately $4.3 billion.
2. Do more than invest. Most people buy property and then hope and pray that the property will appreciate in value. Improvements are very important. This can easily link into the term "flipping houses" which can result in astronomical capital gains.
3. See the property not for what it is, but what it could be. If you buy a office building, it doesn't mean that an office building is the best use of that property. It is very important to know the area, the market surrounding the area and future tendencies. It becomes very important to think outside the box to sniff out possibilities.
4. Be relentless & tenacious. Billionaires don't let obstacles or pitfalls keep them from achieving their goals. A lot of billionaires have gone bankrupt more than once. What makes them different is they used the failure as inspiration to do it better. The concept: "Failure is just another form of learning" comes to mind.
5. Have a thick skin. Other people can be resentful and jealous of successful people. Be strong against criticism, don't let it skew the path to your goals. The thing that I have found is that the people who are always skeptical or pessimistic are usually the ones that know very little about the subject. Next time people have a pessimistic view about real estate, just ask them how many properties they own.
6. Have superior information. The power of information lies not in what you know but in what you dont know and how quickly you can gain the knowledge of what you don't know. If you do more research than your competitor, you will have the upper hand in any deal.
Sell Your Home in 21 Days
7. Don't accept the cards you are dealt with. According to Forbes, two-thirds of billionaires who made their cash in real estate where self made. This means that they didn't inherit it or won a lottery. They used their heads and made thinks happen.
8. Live in California. U.S. billionaires who made their fortune in real estate, 7 out of the 21 lived in Atherton, Newport Beach, Stockton, Palo Alto or Illinois. That's one-third of them.
9. Get, & stay, married. Of the 43 real estate billionaires whose marital status is known, 37 are married, 5 divorced & 5 widowed. Makes me think of the quote: "behind every successful man is a more successful woman" and visa versa.
10. Get the education. 26 Real estate billionaires' education is known. Out of those, 20 have got at least a college degree, 3 have got high school diplomas, and 3 were high-school dropouts. This is not to say you can't get rich without a degree, but it should make you think.

Incorporation vs Liability Insurance by Mike Warren

Which one should you get?

When getting started in real estate investing one common question asked by new investors is the difference between setting up a corporate entity to hold your properties vs. purchasing liability insurance. There are significant differences between the two. Your individual specific financial situation needs to be considered when making this decision. This is why the advice of a competent attorney and/or tax professional is extremely important when making this decision.


With that said, here are some general rules of thumb that will help you when deciding the best strategy for protecting yourself and your properties.


When you incorporate what you are in effect doing is creating a separate business entity from you personally. Corporations were used as early as the 1400's and 1500's when voyages were made from Europe to the American continents, which were known as "The New World." There was a tremendous amount of risk for these voyages. Therefore the wealthy owners of the ships set up corporations. This way if a ship was lost, the losses would be restricted to the corporation and the personal assets of the owner couldn't be seized.


This is exactly one of the main purposes of setting up a corporation. It is designed to protect your personal liability. Typically any challenges that occur when operating under a corporation will not affect your personal assets and vice versa. For instance, if you are sued personally and you lose the lawsuit, the winning party can come after your personal assets. However, if your property is owned by a corporation, they will not be able to take the property away from you. If someone sues your corporation and they win, they will be able to go after the corporation. However, they won't be able to go after your personal assets.


The second benefit towards incorporating is the tax benefits. There are a number of tax benefits that are available to you though a corporation that are not available if you run your real estate business as a sole proprietorship with liability insurance for your property.


For example, as a corporation you are able to offer "fringe benefits" to employees that are considered expenses to the corporation but are not considered income to the employees. You can offer to pay all health related expenses as a benefit that are not covered by insurance. You can offer to pay for all educational pursuits as long as the education benefits the company. This works well particularly if your real estate company has no employees other than family members as these benefits have to be made available to all employees.


Liability insurance is just that, insurance against liability that occurs as the result of a lawsuit. Therefore if you have 3 million dollars of liability insurance and you lose a 2 million dollar lawsuit, the insurance will pay the judgment of the lawsuit for you. This way you can continue to run your business and you are not forced to shut down as a result of a lawsuit.


So which one is better for you? Many investors prefer not to incorporate. The reason why is because they can acquire more attractive financing for certain types of properties operating under their own name than they could if they operated under a corporation. Therefore, they would rather operate under a sole proprietorship and purchase liability insurance for protection.


The problem with that is if you are sued personally and you lose, they can come after all of your properties as well because you have no protection.


Also keep in mind a corporation is no guarantee that you can't be sued personally. Many attorneys will simply sue both the corporation and the owners personally and if you lose, you will still need liability insurance.

How to start a home base business... by Sandesh Ajgaonkar

Do you know that it's possible for a housewife or a 'one-man-show' around the world to start a home business for full time income?
It's possible. And I'm going to tell you what you need and how to do it.
First you need to get an extra phone line, fax and a computer in your home. This should be different from your existing home phone line or computer. That was easy to get started, wasn't it?
The secret to start a home business quick and profitable is to be a 'middle man' between the prospects and the products or services they are looking for. It's that simple! Of course you can create your own products or services to sell, but why go through the hassle in the early stages of getting started? By being the 'middle man', you can get started immediately.
Then, you have to determine whether you want to be a 'middle man' for a product or service oriented business. Both will give you the same benefits. Even if its product oriented, you are not be producing it. You are just merely getting it from someone and passing it to the customer. Therefore, you should not have any inventory. However, I'll prefer to be involved in service oriented home business because it's less 'sticky'. Products may have more issues such as delivery, order fulfillment, product return and so on.
Here are 3 ways you can immediately start a home business by being a 'middle man' for a service oriented home business:
1. Human Resource 'Department'
Do you know that many companies are hiring and many people are looking for a job? This is one of the best opportunities that you can get started immediately. It's low cost, almost zero in cost. Go to all the offices and factories in your city and tell the human resource manager/department that you want to help them find reliable staff. They will have a list of vacancies. Get all the details. Compile it and start announcing to the public what vacancies you have to offer! You can make money from either the company or anyone who gets a job from your help. You decide how much commission you want. If the company already has their own commission scheme, you can just earn from there.
2. Real Estate
You'd be surprised that many people are actually buying houses each day. And many people are selling houses as well! Don't believe me? Go to your local real estate dealer's office and you'll see there are plenty of requests from people wanting to buy or sell houses. You can just be a 'middle man' to get the deal. In fact, all real estate agents are 'middle men' in reality. You can just tie up with a few real estate agents and negotiate for a commission from them if you help them to get the houses their customers are looking for, or to help their customers to sell off their house.
A few deals a month will land you in big commission checks because houses price can vary from $50,000.00 to $5,000,000.00! However, you do want to set a certain criteria of amount that you will not participate. Example, you might not do any deals below $25,000.00 (or whatever figure you choose) because you'll need to put in the same effort and yet the return is too minimal.
3. Seminar business
Do you see seminars conducted in your city or state? It can be any type of seminars. Doesn't matter what seminar it is. Pick up your phone and call the seminar organizers. Tell them you'll find participants to fit in their room and ask them how much commission they are willing to pay you per head. If the company is smart, they'll pay you good commission because they no longer need to invest their money in advertising. And secondly, they cannot lose because they are paying you for results only.
Once you have experience of it, you may even consider engaging your own speaker one day and organize it. This can be your quarter year project for quick, instant cash.
There are so many other ways to start a successful home business. I've not even covered on how to start a home business by using the internet (If you want to learn that, go get a copy of '5-Step System To Make Money Online VCD Package at http://www.sellingonlinesecrets.com ).
So don't give excuses for yourself that it's too much work, you need a lot of money to get started, and so on. Those are all excuses you create for yourself because of unconscious fear of failure. Or your own limiting beliefs.
It's your life. It's your decision. Sit on it, and there is no way you can expect to start a home business. Start it today, and maybe you'll start making money in a few months and generate a full time income in a year or 6 months.
For more useful tips & hints, please browse for more information at our website :- http://www.adsence-dollar-factory.com http://www.100earningtips.com