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วันพุธที่ 30 กันยายน พ.ศ. 2552

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

วันศุกร์ที่ 25 กันยายน พ.ศ. 2552

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.

วันเสาร์ที่ 19 กันยายน พ.ศ. 2552

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.

วันศุกร์ที่ 18 กันยายน พ.ศ. 2552

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.

วันพุธที่ 16 กันยายน พ.ศ. 2552

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?

วันอังคารที่ 15 กันยายน พ.ศ. 2552

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

วันจันทร์ที่ 14 กันยายน พ.ศ. 2552

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.

วันเสาร์ที่ 12 กันยายน พ.ศ. 2552

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

Benefits of GPT (Get Paid Today) And Residual Income by Lucien Bechard

Residual income and G.P.T. (Get Paid Today) are concepts that are causing a stir within the network marketing industry. There's been a tug of war going on within the MLM industry about which one of these concepts is better. So which one is better? Which is the best one for you? The answer is BOTH! There should be no confusion as to which is better because they both compliment each other. If you take the benefits of both and combine them with the top companies in the industry, you will have the perfect mix.
Combine the top company that provides the highest G.P.T. with the top company that provides you with long term residual income, and you will have "The Perfect Synergy!"
So how do you make this happen and what are the top companies that will help create this "Synergy?"
Before I get to that, let's break down both of these concepts further.
So what is G.P.T. (Get Paid Today) and why is it so important?
G.P.T. is not a company, opportunity, and it's not a product or system of any kind.
It's an answer. A solution to tiny commission checks, dwindling MLM downlines, and the "quick turn" mentality that has taken over MLM. It will allow you to put tens-of-thousands of dollars of cash into your pocket in weeks and months... Not years. The best part about G.P.T. is that you don't have to build a downline.
G.P.T. stands for: "Get Paid Today", which is a concept that summarizes the growing change of focus in the MLM industry from a long-term residual income, to immediate leveraged income.
The Premise Of Get Paid Today Is Simple:
If networkers are going to bounce around from program to program... If competing companies are going to advertise on your front door with a "better/cheaper" product, and if the cost of sponsoring a new rep continues to soar, then the answer is simple:
Get paid a year or more worth of residuals on Day One no matter what happens.
In the age of the internet, distributors come and go like the wind, so Get Paid Today. "Bigger and better" opportunities launch every six months, taking a piece of your downline with it, so Get Paid Today.
Money is worth more in your pocket today than it is next year, so Get Paid Today and invest that cash into real residual income streams outside the MLM circus like real-estate or the market.
It costs more than ever to advertise and sponsor a new rep, so Get Paid a year or more of residual income Today, instead of waiting for the $5.00 commissions to roll in over months or years.
Most networkers are only employee minded people pretending to be entrepreneurs, which means they'll rarely do what it takes to be successful, so Get Paid Today for your time and training whether they build a business or not.
White collar professionals aren't interested in working 3-4 hours a night selling vitamins for a $500 - $1,000 check, so offer them a vehicle that they can Get Paid Today, and realistically make $10,000/mo within just 5 to 10 customers a month.
Building a MLM that pays out $10,000 per month requires building a downline of thousands. Get Paid Today and make $10,000 with just 10 customers or less.
G.P.T. Models Are Currently Found In "Top Tier" Opportunities.
We call them "Top Tier" because of the caliber of people they attract, and the high-level incomes they can produce compared to traditional MLM.
Most, (but not all), are characterized by a "Two-Up" compensation plan, a product or service that is retailed in the $1,500-$2,000 range, and pay out a $1,000+, up-front commission on the sale of that product or service.
One of the primary objections made by networkers against Get Paid Today, Top Tier programs is that there's no residual income.
But Is That True?
Well as this business model develops, residual income has been integrated into several compensation plans already, but there's another angle that needs to be considered regardless of that...
When you make a $1,000 commission, it's like you're getting paid a year's worth of residuals up front on Day One with a product purchase, whether the new rep goes on to build a business or not.
How large of an organization would you have to build in order to make $4,000/mo in a traditional MLM?
What is Residual Income and why is it so important to your long-term success?
"Residual income (also called passive or recurring income) is income that continues to be generated after the initial effort has been expended. Compare this to what most people focus on earning: linear income, which is "one-shot" compensation or payment in the form of a fee, wage, commission or salary."
"Linear income is directly proportional to the number of hours invested in it (40 hrs. of pay for 40 hrs. of work), but one of the great advantages of residual income is that once things are set in motion, you continue making money from your initial efforts, while gaining time to devote to other things... such as generating more streams of residual income!"
"True residual income is money paid in the form of a commission for sales that you make or that are made by your sales organization as over-ride commissions. It becomes residual if it is paid to you every month after the initial sale. The only way commissions will continue is if the customer develops loyalty and value for the product or service. It must be something that continues to pay month after month, and the quality and service must be highly valued by the customer."
"Continuation of residual income is dependent on the continuation of the company. It must be well financed from the beginning, and it must have an outstanding track record of customer service and satisfaction."
Some examples of passive income are:
Earnings from a business that does not require direct involvement from the owner or merchant; Rental from property;
Royalties from publishing a book or from licensing a patent or other form of intellectual property; Earnings from internet advertisements on websites;
Residual income, repeated regular income earned by a sales person, generated from the payment of a product or service, that must be renewed on a regular basis in order to continue receiving its benefits;
Dividend and interest income from owning securities, such as stocks and bonds, is usually referred to as portfolio income, which may or may not be considered a form of passive income. In the United States, portfolio income is considered a different type of income than passive income; Pensions.
As you can see after reading about these two concepts, it's difficult to say which one is better than the other. Each one has their own benefits. If you can see the vision that both of these concepts bring together and partner with the top companies that provide you with these concepts, you will then have the "Perfect Synergy."
Since there isn't one true company out there today that provides you with both of these concepts together, it's very important to choose the right companies to partner with. Make sure you partner with the top company that provides the highest G.P.T. as well as the top company that gives you the best chance of developing long term residual income.
If you make the right decisions and partner with the right companies, you will become a top Multi-Preneur and have complete financial security.
For more information about GPT, Residual income, and to read "The Coffee House Letter" in it's entirety visit http://lucienbechard.com/get-paid-today-and-residual-income
For more information about the author visit http://lucienbechard.com
*Information regarding residual income was referenced from Wikipedia, SynergyResidualIncome.com, and 4hb.com. The information about GPT was referenced from a letter called "The Coffee House Letter."

วันพฤหัสบดีที่ 10 กันยายน พ.ศ. 2552

If You Are Selling A Home, A Home Inspection Helps Seal The Deal by David Haigh

You have heard the horror stories. A friend buys a home that is now literally crumbling around her. Somebody took shortcuts, and her home was not inspected before she bought it. Now she is stuck and can not do anything about it. A home inspection before the sale would have made the deal honest and prevented headaches and heartache later for this friend and concerned family members.
These days it is tempting to cut corners, usually with the idea of saving money. However, a home inspection is a worthwhile investment. If you are planning to sell a home, an inspection can identify problems in the making and suggest preventive measures that might help avoid costly future repairs. A home inspection gives you the opportunity to make any necessary repairs now that will put the house in better selling condition. In the real estate market today, having your home pre-inspected can be a great selling point.
Plus, you'll have the satisfaction of knowing you are doing the right thing for the people who will be buying the home. It means a lot for them to know they can count on their new home to be a place they are proud to live in with few hassles. It also protects you from possible problems.
Keep in mind that the home you are selling must signal to prospective buyers that there is nothing to fear by checking out this home. They need assurance the home is in good condition, or even better than that. If your home is listed online, make sure there is a link to click so the buyer can view the inspection for himself.
Put yourself in the shoes of a real estate agent for a minute. You are looking for a suitable home for a client. What would you look for? Would you want to see a home that stands out from the hundreds of others out there? Would you want that buyer to know they can investigate and buy that home with confidence? A home inspection helps give that assurance. It will be easier to sell the home to your client if one of the most difficult steps is already out of the way. Barring unforeseen problems, such as with financing, your job of finding a home for your client is that much easier.
As the home seller, you need to take control of the situation proactively. When a buyer comes along with a home inspector, they may be looking to cut costs. If they are not happy with the condition of the house, they may ask for repairs at an inflated price or terminate the contract altogether. The bottom line - they decide not to buy the house. You may not get a second chance with that buyer. You are left with the house still on the market and with the task of making things right before you can sell to the next prospective buyer. That person will not want any surprise defects to contend with either.
It can be disappointing for you if an inspection finds serious problems. However, dealing with things right away means less chance of alarm or regret on the part of the buyer as well as less chance of a deal going sour. You will make the home even easier to sell by having it inspected again after repairs have been done. Then make the revised report available with the listing. This should make the deal go smoothly.
Here is another helpful tip to seal a deal. Have the inspector print out several copies of the inspection report for you so prospective buyers can take one when they tour the home. Allowing buyers to take a copy of the report keeps your home in their minds that much longer. Your inspector shouldn't mind printing copies of his report because his name and report is being carried around for the other buyers who did not purchase your home but may call him for their own inspections.
To summarize, many sellers are having a home inspection done at the time of their listing in order to repair or determine the condition of their home. If you do this, you can use the inspection as a sales tool. A seller's inspection will virtually eliminate all the hassles and blown deals that inspections might cause when the buyer brings in their inspector. It gives leverage back to you, the seller. Most importantly, a seller's home inspection is the ultimate gesture of full disclosure and will help protect you.

How To Invest In Canada Real Estate With No Money Down. by Ozzy

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If it was impossible for you to fail, what would you attempt to do?
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Trent has been a real estate investor for several years. And it has changed his life completely.
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Up to now, he has only mentored his close friends and family.
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Look for the Best Rates for Flights to Bodrum by Jessisa Thomson

Bodrum is a very beautiful and popular tourist destination in Turkey's southwest cost. It is a peninsula that is located by the Mediterranean Sea and Aegean junction. The history of this place dates back to 2000 years and it inhabits a mix of both ancient and contemporary life. There are many tourist attractions that you can enjoy there like the galleries and the museums in the castle of Bodrum and the ancient Mausoleum of Mausolus that is considered to be one of the ancient worlds wonder apart from its beaches and the nightlife. There are many flights to bodrum Turkey that you can use to travel there.
It used to be a popular summer destination but as it became popular it receives tourist all the year round. The activities that you can enjoy there during the summer season are the going for the exquisite Hamam which is an ancient way of taking bath in Turkey. If you like water sports then you can go for windsurfing, diving, and also enjoy yacht and boat tours. If you plan to travel there during the spring season then you can go for yachting, sightseeing and hiking.
As there are flights to bodrum available all round the year you can plan your trip for any season as the place has lots to offer no matter when you go there. During the autumn if you happen to visit Bodrum then you should not miss their annual Bodrum Cup Traditional Wooden Yacht Regatta. It's a huge event in the city and is held at this time of the year because autumn is considered to be a good time for sailing. Again during the winter Tangerine Orchards and the Camel Wrestling are the attraction that get tourist to this place. There is something on offer for the residents and the tourists here throughout the year and also there are cheap flights to bodrum available. So planning a trip to this place can prove to be a very good idea.
It is only now that Bodrum has become a popular tourist destination. Though there have been regular flights to bodrum for a long time now. It has been a popular tourist destination for many people like the archeologists, tourists, investors and the artists. There are many people who came here first as a tourist and fell so much in love with this place that made it their second home and some of them eventually became the residents of this place. This in turn has helped the town to flourish in the real estate business and has lead to growth in investment.
The growth in the city has led to many positive changes. For instance the shopping opportunity in the city has increased that has benefited not only the residents but also the tourists. Thus the city has developed and moreover with regular flights to bodrum available from all around the world it has today become a hot tourist destination.

วันพุธที่ 9 กันยายน พ.ศ. 2552

Real Estate as an Investment by Dannie Jensen

Real estate investing is one of the most attractive ways of making good money (that is if you do it correct). Moreover, real estate investing is also a lot of fun. A lot of people practice real estate investing as their core profession and, in fact, make a lot of money that way.
Real estate investing is really an art and, like any art, it takes time to master the art of real estate investing. The key, of course, is to buy at a lower price and sell at higher price and make a profit even after paying all the costs involved in the two (buy/sell) transactions. Generally, people are of the opinion that real estate investing makes sense only when the rates are on the rise. However, real estate investing for profits is possible just about any time (and as I just said, real estate investing is an art). Here is a list of tricks that can make real estate investing profitable for you:
1) Look for public auctions, divorce settlements and foreclosures (bank/FHA/VA): Since quick settlement is the preference here (and not price), you might get a property at a price that is much lower than the prevailing market rate. You can then make arrangements to sell it at the market rate over a short period of time. However, make sure that the property is worth the price you are paying.
2) Looking for old listings: The old listings that are still unsold may provide you with good real estate investing opportunities. Just get hold of an old newspaper and call up the sellers. They might have given up hope of selling that property at all and with a bit of negotiation you can get the property for a real low price.
3) The hidden treasure: A really old (and dirty) looking house may scare off buyers. But this might be your chance for real estate investing that can yield good profits. So, explore such properties and check if spending a bit on them can make them shine. You can get these at very low prices and make a big profit in a short time.
4) Team up with attorneys: There are a number of attorneys who handle property sales on behalf of sellers or in special circumstances (like the death of the property owner). They might sometimes be looking to dispose off the property rather quickly and hence at a low price. Be the first one to grab such real estate investing opportunities and enjoy the profits.
5) Keep tab on the newspaper announcements: Property sell offs due to deaths, divorce settlements, immediate cash requirements and other reason are frequently announced in local papers. Keep track of such real estate investing avenues.

Understanding Real Estate Law by Dannie Jensen

Real estate is indeed one of the safest investments and a lot of people use real estate as an investment avenue. Real estate law is not the forte of real estate attorneys and real estate agents only. Every real estate investor should understand at least the basics of real estate law. In fact, a short course or a concise book on real estate law can sometimes be of great help (and is generally sufficient for understanding the basics of real estate law).
What you need to understand is the real estate law with respect to the legal procedures that you need to follow for ensuring a smooth transfer of title to the property you acquire/sell and other related procedures. You need to understand the fee structure (e.g. stamp duty, etc) that you need to take care of as per real estate law. You can also understand the classification of properties and how the basic real estate law applies to them. How the commercial and residential properties are treated differently by the real estate law. The tax laws with respect to real estate are one of the things that would be of most interest to you. So, your study on real estate law should also cover all the aspects related to taxes. How mortgages are treated in the perspective of real estate law is another thing that you should know about. Then again, the real estate law with respect to tenancy should also be well understood by people who wish to rent out their property.
However, you should not overdo that i.e. you should not start becoming hysterical about learning real estate law (lest you end up wasting a lot of time in trying to learn everything about real estate law and be left with no time to evaluate your real estate investment). Leave the intricacies of real estate law with the real estate attorneys (and to some extent real estate brokers who too are taught real estate law as part of their course for obtaining broker license).
Understanding the various legal terms referred to in real estate laws can help you in not only enhancing your understanding of real estate but also help in making your conversations with real estate attorneys/agents really fruitful. You should also note that though some of the basics remain the same, the real estate laws vary across various states. Also, real estate laws (especially the tax related real estate laws) can undergo a change over a period of time, so you need to keep a tab on such changes. Any big changes will anyhow appear prominently in news and you will get to know of them anyhow. So knowing a little bit of real estate law can really be helpful (and is, in fact, essential).

An Introduction to Real Estate Management by Dannie Jensen

Real estate investment can happen for various reasons. You could invest in real estate because you need a house for yourself (that house of your dreams that you so badly want). You could use real estate as a means for supplementing your income either by buying at a lower price and selling at a higher price or by letting it out. Sometimes you might buy a property for the purpose of resale but might want to wait for a few years before you actually sell it. In such a case, again it would make sense to rent out the property and earn some money till you actually decide to sell it off.
Whatever the reason, letting out real estate demands real estate management and real estate management is not an easy job for everyone. In fact, a lot of people find it so much of a hassle that they prefer keeping their property vacant instead of letting it. Real estate management demands time, which you will rarely have. Real estate management is not just about finding tenants and collecting rent from them. Real estate management is also about ensuring that you do all the duties that a landlord/landlady is required to do. Real estate management is about verifying the credentials of the tenants before you actually let out your property to them. Real estate management is about ensuring that all the paper work is complete and correct i.e. the tenancy agreement etc are properly done. Real estate management also requires you to do repairs as and when required. Real estate management activities also include maintenance, painting, polishing etc of the house when the tenants move out and before the new tenants get in.
So, really, real estate management is not that easy a job for someone who is in a full time job. However, there is a solution to this and that is hiring a real estate management firm to do all these activities on your behalf. Yes, this will mean that what you receive as an income by letting your property will be reduced (due to the commission/ fee charged by the real estate management firm). But that is just a small price for the convenience that a real estate management firm brings to you. However, it's important that you choose the real estate management firm carefully. There are all kinds of real estate management firms out there (good and bad). You must check the references of the real estate management firm before you actually hire them for the job. A good real estate management firm will not only keep your property occupied at all times but will also ensure that you always receive the rent in time and without any hassle.

วันจันทร์ที่ 7 กันยายน พ.ศ. 2552

Buying Homes Westlake Village Ca by NW 4 - E - Posey Gaines #1

If you're looking at buying homes in Westlake Village Ca, you've got your work cut out for you. Not because of the lack of homes available, rather there are so many options to choose from.
In order to find the right home in Westlake Village or any place for that matter, it's important that you have an idea of what type of home you're looking for. Your first step is to be pre-approved, so you will know your price range.
The next step is to make a list of features that you want in your home. Location, features, and price range will help you narrow down your searches and not waste time on homes that are of not interest to you. This will help your real estate agent find the perfect Westlake home for you as well.
Westlake has a number of different areas, so choosing a location that fits into your lifestyle will be important. From condos to townhouses to single family homes, you can find it in Westlake.
The average sales price for homes in Westlake Village CA from April '09 to Jun '09 was $617,500. Sales prices have depreciated by 25% over the last 5 years in Westlake Village.
Westlake Village is what is called a "planned community," as it is built around a manmade lake just on the Los Angeles-Ventura line. Comprised of condos by the lakeside and your typical suburbia in the outskirts, you are sure to fall in love with many of the homes Westlake Village Ca has to offer.
If you love the outdoors, you will love the hillside views, hiking, and equestrian trails. And if searching for homes Westlake Village Ca for your family, you will feel right at home with the serenity of safe streets and great schools. Who wouldn't want to raise a family or start out here?
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Commercial Realestate Investing Basics by 25 - Z - Posey Gaines #2

Are you planning to invest in commercial realestate? Many people around the world are taking the plunge and diving into real estate investing right now with prices at jaw-dropping lows. Take the time before you start looking for a potential investment property to learn a few basics about real estate investing for commercial properties.
Even though it is a general buyer's market, it is still possible to get a raw deal with commercial real estate - especially if this is your first time investing or you aren't a seasoned pro. Avoid some potentially painful growing pains by following the excellent advice below.
Find a Realtor who Specializes in Commercial Properties
A general realtor is great for some things. However, you would not go to a divorce lawyer if you were facing a criminal charge. Why on earth would you seek the services of a general realtor when there are many available who specialize in exactly what you are looking for? It is worth a little investigating up front to find the right realtor for the job.
Learn the History of a Property
Many people are surprised to find out how important this is. It is more important if you aren't familiar with the area in which you are buying. If a building has a history of attracting tenants who are short lived or receive little traffic or sales, you want to know this before you buy. It could be a great property for repurposing but might not be a good property for the manner it's been used in the past.
Find a Local Realtor to do the Job
There is no hard and fast rule that says you must only invest in commercial property where you live. It is a very good idea, though, to go through a local realtor when you are handling a long distance transaction. You want your realtor to know the lay of the land and be able to advise you accordingly.
These basics may not be earth shattering, but they will help your next commercial realestate transaction go much more smoothly.

Real Estate Investing - Should You Do It? by Arthur Andersen

It is amazing to me how much people are influenced by the different concepts that they see on television programming. Many trends are set by what is watched during primetime television. These trends range from popular phrases to fashion to investments. Most of get our entertainment as well as our news updates from our television sets. For many years people have trusted what they hear and see on television.
One trend that is featured on a popular cable channel is a program that promotes real estate investing. There are a couple of different shows with similar concepts with this theme. One of these shows featuring real estate investing follows a person buying a home, remodeling it and reselling it for a profit. This is a concept known as flipping. There are many people that feel that they can make a great deal of money using this technique. The great thing about the show is that they do not only profile people that are successful in the flipping market, they also show people that end up taking a loss in there real estate investing. In watching the program I have noticed that the people that do not listen to the advice that they are given by their contractors are the ones that tend to lose money. I have seen this not only on television but also in the real estate market. There are many times when people have such a set idea in their mind regarding what they want to do with a property that they refuse to change their plans, even if it is costly and impractical to go forward.
The advise I give to people that are interested in real estate investing is to be willing to compromise and to be willing to cut your losses when you need to. When you are developing or changing a property to resell it you do not have to love every part of it. You are not going to be living in the home anyway so it is alright if you do not like every aspect of it. I also advise people to stay with as neutral color palettes as possible. They do not have to have everything white of beige, but bold color choices most often are not a selling point. The buyers will want to put their own decorating ideas to use anyway, so there is not a huge need to have bold or unusual colors. This is especially true when picking out tiles. Whether the tiles are in the kitchen or bathroom they should be as neutral as possible. Tile is not something that is easy or cheap to change; so you want to make sure it as appeal as possible to the majority of people. Real estate investing is best done if you live in an area that is growing and where real estate in general moves quickly.

วันเสาร์ที่ 5 กันยายน พ.ศ. 2552

Lafayette CA Real Estate - Walk Appeal Closes Sales by Michael Hughes

Houses found inside walking distance of comforts such as colleges, parks and shopping aren't only more acceptable for their owners, regularly they are also worth more than houses in areas where driving is the rule, according to a new report released Tues.. Lafayette, CA Real EstateThe report looked at 94,000 real-estate transactions in 15 markets. In 13 of those markets, higher levels of'walkability' were directly linked to higher home values. Bond guru Bill Gross living big in California Lafayette, CA Real EstateWSJ's Sara Lin and Kelsey Hubbard on Pimco's Bill Gross', called the'Bond Guru,' new gigantic home purchase in California. The report,'Walking the Walk : How Walkability Raises Housing Values in U.S. Cities,' was commissioned by CEOs for cities, a national network of urban leaders from the civic, business, educational and philanthropic sectors. it's an critical point for home-buyers who are trying to identify which homes will hold their worth, announced Joseph Cortright, the report's author and a senior policy adviser to boss men for cities. Cortright is an economic guru and president of Impresa, a Portland, Ore.-based consulting firm. Walkable places have some of the best chances of performing well in years ahead, he revealed. The research used exchange info from ZipRealty. It worked out walkability of the houses using the Walk Score algorithm, which grades addresses based primarily on amenities that are nearby, from restaurants and cafes to parks and libraries. Scores range between 0 to one hundred, with 100 being the most walkable ; a score higher than 70 indicates it is of course possible to get around in the area without using a vehicle. Controlling for other factors including a home's size, the quantity of bathrooms and bedrooms, age, neighborhood income levels, distance from the Central business district and access to jobs, the report revealed that an one-point increase in Walk Score is connected to a rise in home worth between $500 and $3,000, depending on the market, according to the study. The premium for homes in neighborhoods with above-average Walk Scores ranged from $4,000 to $34,000, according to the report. Exceptions to the rule But that premium wasn't found everywhere. In Vegas, walkability associated with lower housing values. Bakersfield, Calif, showed no statistically major connection between walkability and home prices, according to the study. The report didn't research why houses in walkable neighborhoods failed to bring a premium in those two places. It's hopeful, but in Vegas,'it might be that those areas that have the highest walkability aren't the most attractive areas' in the metropolitan area, Cortright recounted. Matt Lerner, chief technology officer of Front Seat, the software company behind Walk Score, said Bakersfield is somewhat sprawling and maybe never developed a healthy town center or clumps of walkable areas. Or it might be the volume of repos and the macroeconomic trends with which these cities are dealing are overwhelming any positive effects that walkability might have on home prices, said Pat Lashinsky, chief executive of ZipRealty. 'The effect is being masked,' he said. Even in areas where walkability does statistically matter, the premium it affords isn't the same from place to place. Dense urban areas like Chicago and San Francisco showed higher price gains primarily based on higher Walk Scores ; in less dense markets like Tuscon and Fresno, home costs failed to jump as much due to higher walkability. Other metropolitan areas included in the study were : Arlington, Va. ; Austin, Texas ; Charlotte, N.C. ; Dallas, Texas ; Jacksonville, Fla. ; Phoenix, Ariz. ; Sacramento, Calif. ; Seattle, Wash. ; and Stockton, Calif. There are environmental and health benefits from living in a land where the car can stay parked. In promoting Walk Score, Lerner recounted his firm emphasizes how walking instead of driving can play a part in stopping global temperature rises and how folk who live in walkable areas weigh seven pounds less, normally than those that don't . Places with higher Walk Scores also often have better mass transit services, according to the report.Lafayette, CA Real Estate

Valuable Antique Furniture May Be Languishing In The Attic Or Basement by Art Gib

One of the most popular TV programs today is on PBS. If you are a fan, you have guessed, "Antiques Roadshow" and if you've never watched it, once you do, you will become addicted. The premise of the program is, antiques appraisers travel to various cities and appraise antiques brought in by local residents. The roots of the show, goes to Britain, which started in 1979 and has been going strong ever since.
The U.S. version started in 1997. Notable American antique appraisers who are knowledgeable of every kind of antique from furniture, art, silverware, dishware, toys, anything that has been passed down from generation to generation, even articles picked at garage sales, estate sales and auctions, are brought in for an appraisal. In some cases an antique can be worth thousands of dollars and in some cases, antiques turn into worthless junk.
Today, everyday people are cleaning out attics, basements and garages looking for antique furniture and miscellaneous items to get appraisals. Especially in our economy, it might be wise to dig through Granny's attic and perhaps find a treasure that could be worth a lot of money. The highest valued find were four pieces of Chinese carved jade and celadon from the Chien Lung Dynasty (1736-1795), including a large bowl crafted for the Emperor were given a conservative estimate of $1.07 million.
Remember that old chest of drawers that may have several coats of paint but handcrafted oak underneath? What about the old, beat up table with bubbled varnish on it but has claw feet? Better drag it out and examine it for a stamp with the name of the artisan or company or even a number. These are some of the signs to look for when checking your antique furniture. Even furniture knock-offs can have some value if they are old enough.
If you are interested in finding and collecting antique furniture, you must shop with frequency. Know when thrift stores restock and head out early on weekends for garage and estate sales. Go to flea markets and antique malls. Check online ads such as Craigs List for possible finds. It is important to develop an eye for quality and look for ways to discern if a piece of furniture is for real or not. Be alert and watchful.